Home > The Oakley National Bank of Buffalo > Income and Expense
The Oakley National Bank of Buffalo, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 3,515 |
| Total interest expense | $548,000 | 3,768 |
| Net interest income | $1,504,000 | 3,404 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $462,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $207,000 | 1,948 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $255,000 | 2,121 |
| Total noninterest expense | $991,000 | 3,867 |
| Salaries and employee benefits | $480,000 | 4,228 |
| Premises and equipment expense | $105,000 | 4,711 |
| Additional noninterest expense | $406,000 | 2,974 |
| Pre-tax net operating income | $975,000 | 2,208 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $974,000 | 1,724 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $974,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $153,000 | 2,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $974,000 | 1,691 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,607,000 | 3,549 |
| Total interest expense | $1,763,000 | 4,033 |
| Net interest income | $5,844,000 | 3,358 |
| Provision for loan and lease losses | $435,000 | 2,215 |
| Total noninterest income | $2,080,000 | 2,141 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,070,000 | 1,637 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,010,000 | 2,131 |
| Total noninterest expense | $4,570,000 | 3,370 |
| Salaries and employee benefits | $2,352,000 | 3,515 |
| Premises and equipment expense | $445,000 | 4,449 |
| Additional noninterest expense | $1,773,000 | 2,681 |
| Pre-tax net operating income | $2,919,000 | 2,654 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $17,000 | 6,599 |
| Income before extraordinary items | $2,910,000 | 2,135 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,910,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,177 |
| Cash dividends | $1,322,000 | 1,897 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,902,080 | 2,092 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,556,000 | 3,611 |
| Total interest expense | $1,255,000 | 4,136 |
| Net interest income | $4,301,000 | 3,398 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $1,516,000 | 2,193 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $817,000 | 1,622 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $699,000 | 2,272 |
| Total noninterest expense | $3,419,000 | 3,356 |
| Salaries and employee benefits | $1,747,000 | 3,516 |
| Premises and equipment expense | $338,000 | 4,398 |
| Additional noninterest expense | $1,334,000 | 2,647 |
| Pre-tax net operating income | $2,038,000 | 2,831 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $12,000 | 6,731 |
| Income before extraordinary items | $2,034,000 | 2,286 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,034,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,553 |
| Cash dividends | $976,000 | 1,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,026,080 | 2,235 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,617,000 | 3,677 |
| Total interest expense | $804,000 | 4,274 |
| Net interest income | $2,813,000 | 3,437 |
| Provision for loan and lease losses | $205,000 | 2,159 |
| Total noninterest income | $920,000 | 2,327 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $543,000 | 1,610 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $377,000 | 2,608 |
| Total noninterest expense | $2,309,000 | 3,350 |
| Salaries and employee benefits | $1,185,000 | 3,487 |
| Premises and equipment expense | $229,000 | 4,352 |
| Additional noninterest expense | $895,000 | 2,634 |
| Pre-tax net operating income | $1,219,000 | 3,078 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $1,219,000 | 2,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,219,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $405,000 | 2,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,211,080 | 2,439 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,742 |
| Total interest expense | $394,000 | 4,384 |
| Net interest income | $1,383,000 | 3,475 |
| Provision for loan and lease losses | $68,000 | 2,801 |
| Total noninterest income | $443,000 | 2,375 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $263,000 | 1,622 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $180,000 | 2,643 |
| Total noninterest expense | $1,183,000 | 3,263 |
| Salaries and employee benefits | $623,000 | 3,354 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $446,000 | 2,626 |
| Pre-tax net operating income | $575,000 | 3,187 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $571,000 | 2,627 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $571,000 | 2,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $571,000 | 2,537 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,471,000 | 3,615 |
| Total interest expense | $2,092,000 | 3,888 |
| Net interest income | $5,379,000 | 3,492 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $2,401,000 | 2,017 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,064,000 | 1,611 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,337,000 | 1,977 |
| Total noninterest expense | $4,805,000 | 3,150 |
| Salaries and employee benefits | $2,587,000 | 3,178 |
| Premises and equipment expense | $436,000 | 4,458 |
| Additional noninterest expense | $1,782,000 | 2,661 |
| Pre-tax net operating income | $2,915,000 | 2,571 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $62,000 | 6,135 |
| Income before extraordinary items | $2,853,000 | 2,129 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,853,000 | 2,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $1,671,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,853,000 | 2,036 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,618,000 | 3,658 |
| Total interest expense | $1,649,000 | 3,845 |
| Net interest income | $3,969,000 | 3,546 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $1,861,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $768,000 | 1,686 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,093,000 | 1,924 |
| Total noninterest expense | $3,671,000 | 3,095 |
| Salaries and employee benefits | $1,999,000 | 3,093 |
| Premises and equipment expense | $325,000 | 4,483 |
| Additional noninterest expense | $1,347,000 | 2,620 |
| Pre-tax net operating income | $2,114,000 | 2,727 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $47,000 | 6,257 |
| Income before extraordinary items | $2,067,000 | 2,266 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,067,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $958,000 | 1,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,067,000 | 2,151 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,797,000 | 3,649 |
| Total interest expense | $1,146,000 | 3,813 |
| Net interest income | $2,651,000 | 3,535 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $1,155,000 | 2,114 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $474,000 | 1,785 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $681,000 | 2,010 |
| Total noninterest expense | $2,398,000 | 3,165 |
| Salaries and employee benefits | $1,275,000 | 3,218 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $908,000 | 2,600 |
| Pre-tax net operating income | $1,378,000 | 2,779 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $31,000 | 6,314 |
| Income before extraordinary items | $1,347,000 | 2,314 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,347,000 | 2,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $575,000 | 1,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,347,000 | 2,189 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,928,000 | 3,634 |
| Total interest expense | $590,000 | 3,799 |
| Net interest income | $1,338,000 | 3,496 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $517,000 | 2,232 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $220,000 | 1,862 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $297,000 | 2,121 |
| Total noninterest expense | $1,189,000 | 3,180 |
| Salaries and employee benefits | $648,000 | 3,147 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $435,000 | 2,653 |
| Pre-tax net operating income | $651,000 | 2,896 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $15,000 | 6,300 |
| Income before extraordinary items | $636,000 | 2,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $636,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $636,000 | 2,273 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,311,000 | 3,536 |
| Total interest expense | $2,770,000 | 3,773 |
| Net interest income | $5,541,000 | 3,354 |
| Provision for loan and lease losses | $118,000 | 5,458 |
| Total noninterest income | $2,010,000 | 2,121 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $862,000 | 1,867 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,148,000 | 1,993 |
| Total noninterest expense | $4,436,000 | 3,265 |
| Salaries and employee benefits | $2,343,000 | 3,299 |
| Premises and equipment expense | $428,000 | 4,410 |
| Additional noninterest expense | $1,665,000 | 2,715 |
| Pre-tax net operating income | $2,997,000 | 2,509 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $398,000 | 3,893 |
| Income before extraordinary items | $2,599,000 | 2,280 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,599,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,049 |
| Cash dividends | $1,960,000 | 1,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,599,000 | 2,212 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,611,000 | 3,427 |
| Total interest expense | $4,282,000 | 3,599 |
| Net interest income | $5,329,000 | 3,263 |
| Provision for loan and lease losses | $212,000 | 3,998 |
| Total noninterest income | $1,702,000 | 2,291 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $826,000 | 1,849 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $876,000 | 2,247 |
| Total noninterest expense | $4,209,000 | 3,272 |
| Salaries and employee benefits | $2,209,000 | 3,316 |
| Premises and equipment expense | $466,000 | 4,128 |
| Additional noninterest expense | $1,534,000 | 2,817 |
| Pre-tax net operating income | $2,610,000 | 2,584 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $987,000 | 2,087 |
| Income before extraordinary items | $1,623,000 | 3,039 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,623,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,548 |
| Cash dividends | $483,000 | 3,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,623,000 | 2,939 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 3,529 |
| Total interest expense | $4,269,000 | 3,777 |
| Net interest income | $5,325,000 | 3,292 |
| Provision for loan and lease losses | $150,000 | 4,393 |
| Total noninterest income | $1,287,000 | 2,616 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $773,000 | 1,800 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $514,000 | 2,909 |
| Total noninterest expense | $4,003,000 | 3,331 |
| Salaries and employee benefits | $2,057,000 | 3,382 |
| Premises and equipment expense | $517,000 | 3,694 |
| Additional noninterest expense | $1,429,000 | 2,946 |
| Pre-tax net operating income | $2,459,000 | 2,797 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $932,000 | 2,260 |
| Income before extraordinary items | $1,527,000 | 3,208 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,527,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $558,000 | 3,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,527,000 | 3,195 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,724,000 | 3,619 |
| Total interest expense | $3,864,000 | 3,690 |
| Net interest income | $4,860,000 | 3,533 |
| Provision for loan and lease losses | $188,000 | 3,699 |
| Total noninterest income | $1,209,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $654,000 | 2,031 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $555,000 | 2,759 |
| Total noninterest expense | $3,738,000 | 3,520 |
| Salaries and employee benefits | $1,816,000 | 3,717 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $1,411,000 | 3,018 |
| Pre-tax net operating income | $2,143,000 | 3,170 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $800,000 | 2,643 |
| Income before extraordinary items | $1,343,000 | 3,542 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,343,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,975 |
| Cash dividends | $483,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,343,000 | 3,503 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,916,000 | 3,974 |
| Total interest expense | $3,708,000 | 3,927 |
| Net interest income | $4,208,000 | 3,959 |
| Provision for loan and lease losses | $87,000 | 5,436 |
| Total noninterest income | $1,264,000 | 2,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $684,000 | 1,875 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $580,000 | 2,700 |
| Total noninterest expense | $3,538,000 | 3,577 |
| Salaries and employee benefits | $1,742,000 | 3,765 |
| Premises and equipment expense | $500,000 | 3,697 |
| Additional noninterest expense | $1,296,000 | 3,147 |
| Pre-tax net operating income | $1,847,000 | 3,556 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $674,000 | 3,120 |
| Income before extraordinary items | $1,173,000 | 4,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,173,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $484,000 | 3,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,173,000 | 3,911 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,941,000 | 4,530 |
| Total interest expense | $3,266,000 | 4,375 |
| Net interest income | $3,675,000 | 4,552 |
| Provision for loan and lease losses | $123,000 | 4,577 |
| Total noninterest income | $1,073,000 | 2,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $644,000 | 2,034 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $429,000 | 3,141 |
| Total noninterest expense | $3,018,000 | 4,077 |
| Salaries and employee benefits | $1,553,000 | 4,129 |
| Premises and equipment expense | $419,000 | 4,285 |
| Additional noninterest expense | $1,046,000 | 3,740 |
| Pre-tax net operating income | $1,607,000 | 4,226 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $513,000 | 4,138 |
| Income before extraordinary items | $1,095,000 | 4,385 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,095,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,783 |
| Cash dividends | $476,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,094,320 | 4,315 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,314,000 | 4,990 |
| Total interest expense | $2,920,000 | 4,898 |
| Net interest income | $3,394,000 | 4,959 |
| Provision for loan and lease losses | $169,000 | 3,833 |
| Total noninterest income | $1,286,000 | 2,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $599,000 | 2,265 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $687,000 | 2,330 |
| Total noninterest expense | $2,793,000 | 4,568 |
| Salaries and employee benefits | $1,323,000 | 4,789 |
| Premises and equipment expense | $299,000 | 5,615 |
| Additional noninterest expense | $1,171,000 | 3,856 |
| Pre-tax net operating income | $1,718,000 | 3,879 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $611,000 | 3,529 |
| Income before extraordinary items | $1,109,000 | 4,130 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,109,000 | 4,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $476,000 | 3,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,107,720 | 4,082 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 5,495 |
| Total interest expense | $2,451,000 | 5,652 |
| Net interest income | $3,173,000 | 5,251 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $640,000 | 4,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,872 |
| Total noninterest expense | $2,340,000 | 5,276 |
| Salaries and employee benefits | $1,177,000 | 5,296 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $923,000 | 4,663 |
| Pre-tax net operating income | $1,413,000 | 4,659 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $489,000 | 4,266 |
| Income before extraordinary items | $924,000 | 4,882 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $924,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $476,000 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $924,000 | 4,878 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,805,000 | 5,845 |
| Total interest expense | $1,697,000 | 6,334 |
| Net interest income | $3,108,000 | 5,464 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $545,000 | 4,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,924 |
| Total noninterest expense | $2,259,000 | 5,614 |
| Salaries and employee benefits | $1,076,000 | 5,741 |
| Premises and equipment expense | $222,000 | 7,023 |
| Additional noninterest expense | $961,000 | 4,874 |
| Pre-tax net operating income | $1,340,000 | 4,821 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $440,000 | 4,459 |
| Income before extraordinary items | $901,000 | 4,909 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $901,000 | 4,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $469,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $900,330 | 4,975 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,495,000 | 6,320 |
| Total interest expense | $1,694,000 | 6,641 |
| Net interest income | $2,801,000 | 5,975 |
| Provision for loan and lease losses | $69,000 | 6,693 |
| Total noninterest income | $831,000 | 3,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 4,020 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $495,000 | 3,286 |
| Total noninterest expense | $2,141,000 | 6,001 |
| Salaries and employee benefits | $1,000,000 | 6,136 |
| Premises and equipment expense | $239,000 | 6,903 |
| Additional noninterest expense | $902,000 | 5,354 |
| Pre-tax net operating income | $1,422,000 | 4,535 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $569,000 | 3,757 |
| Income before extraordinary items | $856,000 | 5,280 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $856,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $854,080 | 5,075 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 6,653 |
| Total interest expense | $2,078,000 | 6,926 |
| Net interest income | $2,642,000 | 6,333 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $663,000 | 4,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 4,145 |
| Total noninterest expense | $1,842,000 | 6,813 |
| Salaries and employee benefits | $877,000 | 6,753 |
| Premises and equipment expense | $220,000 | 7,396 |
| Additional noninterest expense | $745,000 | 6,450 |
| Pre-tax net operating income | $1,389,000 | 4,343 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $385,000 | 4,942 |
| Income before extraordinary items | $1,003,000 | 4,493 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,003,000 | 4,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 5,646 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,003,720 | 4,169 |
* 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.