Home > Citizens Community Bank > Income and Expense
Citizens Community Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 1,906 |
| Total interest expense | $525,000 | 2,272 |
| Net interest income | $3,029,000 | 1,841 |
| Provision for loan and lease losses | $450,000 | 1,139 |
| Total noninterest income | $1,036,000 | 1,298 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $251,000 | 1,402 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $785,000 | 1,093 |
| Total noninterest expense | $2,143,000 | 2,222 |
| Salaries and employee benefits | $1,168,000 | 2,135 |
| Premises and equipment expense | $179,000 | 3,046 |
| Additional noninterest expense | $796,000 | 2,042 |
| Pre-tax net operating income | $1,472,000 | 1,187 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $490,000 | 904 |
| Income before extraordinary items | $982,000 | 1,489 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $982,000 | 1,490 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $982,000 | 1,490 |
| Net charge-offs | $68,000 | 2,781 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $982,000 | 1,398 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,849,000 | 2,022 |
| Total interest expense | $2,163,000 | 2,607 |
| Net interest income | $11,686,000 | 1,890 |
| Provision for loan and lease losses | $1,300,000 | 2,049 |
| Total noninterest income | $3,719,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,020,000 | 1,458 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,699,000 | 1,100 |
| Total noninterest expense | $8,015,000 | 2,366 |
| Salaries and employee benefits | $4,306,000 | 2,249 |
| Premises and equipment expense | $727,000 | 3,107 |
| Additional noninterest expense | $2,982,000 | 2,216 |
| Pre-tax net operating income | $6,090,000 | 987 |
| Securities gains (losses) | $-630,000 | 7,250 |
| Applicable income taxes | $1,716,000 | 895 |
| Income before extraordinary items | $3,744,000 | 1,320 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,744,000 | 1,320 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,744,000 | 1,320 |
| Net charge-offs | $1,476,000 | 1,897 |
| Cash dividends | $1,700,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,076 |
| Net operating income | $4,178,700 | 1,136 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,299,000 | 2,055 |
| Total interest expense | $1,621,000 | 2,702 |
| Net interest income | $8,678,000 | 1,902 |
| Provision for loan and lease losses | $1,100,000 | 1,850 |
| Total noninterest income | $2,669,000 | 1,332 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $743,000 | 1,494 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,926,000 | 1,146 |
| Total noninterest expense | $5,935,000 | 2,405 |
| Salaries and employee benefits | $3,265,000 | 2,222 |
| Premises and equipment expense | $554,000 | 3,105 |
| Additional noninterest expense | $2,116,000 | 2,340 |
| Pre-tax net operating income | $4,312,000 | 1,070 |
| Securities gains (losses) | $-630,000 | 7,360 |
| Applicable income taxes | $1,152,000 | 972 |
| Income before extraordinary items | $2,530,000 | 1,503 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,530,000 | 1,503 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,530,000 | 1,503 |
| Net charge-offs | $1,328,000 | 1,621 |
| Cash dividends | $1,275,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 999 |
| Net operating income | $2,964,700 | 1,239 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,732,000 | 2,119 |
| Total interest expense | $1,037,000 | 2,876 |
| Net interest income | $5,695,000 | 1,936 |
| Provision for loan and lease losses | $900,000 | 1,580 |
| Total noninterest income | $1,756,000 | 1,335 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $462,000 | 1,562 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,294,000 | 1,130 |
| Total noninterest expense | $3,974,000 | 2,423 |
| Salaries and employee benefits | $2,194,000 | 2,222 |
| Premises and equipment expense | $362,000 | 3,173 |
| Additional noninterest expense | $1,418,000 | 2,363 |
| Pre-tax net operating income | $2,577,000 | 1,154 |
| Securities gains (losses) | $-630,000 | 7,456 |
| Applicable income taxes | $620,000 | 1,120 |
| Income before extraordinary items | $1,327,000 | 1,791 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,327,000 | 1,791 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,327,000 | 1,791 |
| Net charge-offs | $1,057,000 | 1,424 |
| Cash dividends | $850,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 928 |
| Net operating income | $1,755,400 | 1,353 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,292,000 | 2,180 |
| Total interest expense | $516,000 | 2,962 |
| Net interest income | $2,776,000 | 1,975 |
| Provision for loan and lease losses | $700,000 | 1,128 |
| Total noninterest income | $872,000 | 1,345 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $213,000 | 1,652 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $659,000 | 1,106 |
| Total noninterest expense | $2,038,000 | 2,380 |
| Salaries and employee benefits | $1,164,000 | 2,109 |
| Premises and equipment expense | $182,000 | 3,212 |
| Additional noninterest expense | $692,000 | 2,401 |
| Pre-tax net operating income | $910,000 | 1,575 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $319,000 | 1,068 |
| Income before extraordinary items | $591,000 | 1,937 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $591,000 | 1,936 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $591,000 | 1,937 |
| Net charge-offs | $700,000 | 1,090 |
| Cash dividends | $425,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 835 |
| Net operating income | $591,000 | 1,887 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,379,000 | 2,252 |
| Total interest expense | $2,358,000 | 3,136 |
| Net interest income | $11,021,000 | 1,970 |
| Provision for loan and lease losses | $2,000,000 | 2,068 |
| Total noninterest income | $4,036,000 | 1,263 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $890,000 | 1,663 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,146,000 | 1,026 |
| Total noninterest expense | $8,325,000 | 2,323 |
| Salaries and employee benefits | $4,575,000 | 2,120 |
| Premises and equipment expense | $789,000 | 3,009 |
| Additional noninterest expense | $2,961,000 | 2,316 |
| Pre-tax net operating income | $4,732,000 | 1,080 |
| Securities gains (losses) | $138,000 | 1,905 |
| Applicable income taxes | $1,700,000 | 827 |
| Income before extraordinary items | $3,170,000 | 1,342 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,170,000 | 1,343 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,170,000 | 1,344 |
| Net charge-offs | $1,365,000 | 2,280 |
| Cash dividends | $1,275,000 | 1,236 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 975 |
| Net operating income | $3,080,300 | 1,323 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,069,000 | 2,299 |
| Total interest expense | $1,790,000 | 3,224 |
| Net interest income | $8,279,000 | 1,996 |
| Provision for loan and lease losses | $1,900,000 | 1,717 |
| Total noninterest income | $2,715,000 | 1,341 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $646,000 | 1,765 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,069,000 | 1,085 |
| Total noninterest expense | $6,002,000 | 2,413 |
| Salaries and employee benefits | $3,325,000 | 2,188 |
| Premises and equipment expense | $602,000 | 3,023 |
| Additional noninterest expense | $2,075,000 | 2,407 |
| Pre-tax net operating income | $3,092,000 | 1,288 |
| Securities gains (losses) | $138,000 | 1,667 |
| Applicable income taxes | $1,120,000 | 926 |
| Income before extraordinary items | $2,110,000 | 1,566 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,110,000 | 1,569 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,110,000 | 1,569 |
| Net charge-offs | $765,000 | 2,519 |
| Cash dividends | $850,000 | 1,217 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 915 |
| Net operating income | $2,020,300 | 1,564 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,774,000 | 2,305 |
| Total interest expense | $1,174,000 | 3,361 |
| Net interest income | $5,600,000 | 1,976 |
| Provision for loan and lease losses | $1,500,000 | 1,516 |
| Total noninterest income | $1,990,000 | 1,236 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $408,000 | 1,854 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,582,000 | 940 |
| Total noninterest expense | $3,991,000 | 2,436 |
| Salaries and employee benefits | $2,250,000 | 2,166 |
| Premises and equipment expense | $407,000 | 3,014 |
| Additional noninterest expense | $1,334,000 | 2,478 |
| Pre-tax net operating income | $2,099,000 | 1,252 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $727,000 | 911 |
| Income before extraordinary items | $1,372,000 | 1,595 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,372,000 | 1,595 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,372,000 | 1,595 |
| Net charge-offs | $246,000 | 3,298 |
| Cash dividends | $425,000 | 1,507 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 845 |
| Net operating income | $1,372,000 | 1,522 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 2,402 |
| Total interest expense | $588,000 | 3,482 |
| Net interest income | $2,737,000 | 2,040 |
| Provision for loan and lease losses | $750,000 | 1,389 |
| Total noninterest income | $820,000 | 1,416 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $205,000 | 1,838 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $615,000 | 1,106 |
| Total noninterest expense | $1,927,000 | 2,533 |
| Salaries and employee benefits | $1,108,000 | 2,229 |
| Premises and equipment expense | $200,000 | 3,115 |
| Additional noninterest expense | $619,000 | 2,634 |
| Pre-tax net operating income | $880,000 | 1,489 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $302,000 | 1,044 |
| Income before extraordinary items | $578,000 | 1,884 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $578,000 | 1,882 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $578,000 | 1,884 |
| Net charge-offs | $62,000 | 3,547 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 747 |
| Net operating income | $578,000 | 1,814 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,421,000 | 2,488 |
| Total interest expense | $2,611,000 | 3,782 |
| Net interest income | $10,810,000 | 2,023 |
| Provision for loan and lease losses | $2,800,000 | 2,061 |
| Total noninterest income | $3,573,000 | 1,421 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $866,000 | 1,922 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,707,000 | 1,110 |
| Total noninterest expense | $7,814,000 | 2,518 |
| Salaries and employee benefits | $4,203,000 | 2,347 |
| Premises and equipment expense | $854,000 | 2,952 |
| Additional noninterest expense | $2,757,000 | 2,527 |
| Pre-tax net operating income | $3,769,000 | 1,091 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $1,332,000 | 777 |
| Income before extraordinary items | $2,437,000 | 1,372 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,437,000 | 1,370 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,437,000 | 1,371 |
| Net charge-offs | $655,000 | 3,442 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 925 |
| Net operating income | $2,437,000 | 1,343 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,867,000 | 2,560 |
| Total interest expense | $2,037,000 | 3,807 |
| Net interest income | $7,830,000 | 2,094 |
| Provision for loan and lease losses | $1,875,000 | 1,995 |
| Total noninterest income | $2,674,000 | 1,448 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $653,000 | 1,909 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,021,000 | 1,137 |
| Total noninterest expense | $5,799,000 | 2,555 |
| Salaries and employee benefits | $3,023,000 | 2,467 |
| Premises and equipment expense | $636,000 | 2,995 |
| Additional noninterest expense | $2,140,000 | 2,417 |
| Pre-tax net operating income | $2,830,000 | 1,150 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $1,003,000 | 847 |
| Income before extraordinary items | $1,827,000 | 1,473 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,827,000 | 1,471 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,827,000 | 1,473 |
| Net charge-offs | $532,000 | 2,950 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 854 |
| Net operating income | $1,827,000 | 1,430 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,374,000 | 2,668 |
| Total interest expense | $1,410,000 | 3,825 |
| Net interest income | $4,964,000 | 2,215 |
| Provision for loan and lease losses | $1,100,000 | 1,953 |
| Total noninterest income | $1,723,000 | 1,493 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $420,000 | 1,946 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,303,000 | 1,193 |
| Total noninterest expense | $3,702,000 | 2,694 |
| Salaries and employee benefits | $1,954,000 | 2,565 |
| Premises and equipment expense | $430,000 | 3,006 |
| Additional noninterest expense | $1,318,000 | 2,620 |
| Pre-tax net operating income | $1,885,000 | 1,217 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $687,000 | 841 |
| Income before extraordinary items | $1,198,000 | 1,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,198,000 | 1,550 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,198,000 | 1,552 |
| Net charge-offs | $174,000 | 3,604 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 817 |
| Net operating income | $1,198,000 | 1,528 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,093,000 | 2,771 |
| Total interest expense | $723,000 | 3,855 |
| Net interest income | $2,370,000 | 2,304 |
| Provision for loan and lease losses | $500,000 | 1,760 |
| Total noninterest income | $821,000 | 1,523 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $198,000 | 1,992 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $623,000 | 1,201 |
| Total noninterest expense | $1,737,000 | 2,761 |
| Salaries and employee benefits | $935,000 | 2,699 |
| Premises and equipment expense | $211,000 | 3,099 |
| Additional noninterest expense | $591,000 | 2,600 |
| Pre-tax net operating income | $954,000 | 1,351 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $353,000 | 915 |
| Income before extraordinary items | $601,000 | 1,794 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $601,000 | 1,795 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $601,000 | 1,796 |
| Net charge-offs | $117,000 | 2,696 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 697 |
| Net operating income | $601,000 | 1,695 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,196,000 | 2,995 |
| Total interest expense | $4,262,000 | 3,352 |
| Net interest income | $7,934,000 | 2,729 |
| Provision for loan and lease losses | $750,000 | 3,141 |
| Total noninterest income | $2,563,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $894,000 | 1,929 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,669,000 | 1,483 |
| Total noninterest expense | $6,501,000 | 2,863 |
| Salaries and employee benefits | $3,530,000 | 2,801 |
| Premises and equipment expense | $784,000 | 3,225 |
| Additional noninterest expense | $2,187,000 | 2,637 |
| Pre-tax net operating income | $3,246,000 | 1,676 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,092,000 | 1,123 |
| Income before extraordinary items | $2,154,000 | 1,858 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,154,000 | 1,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 3,522 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 932 |
| Net operating income | $2,154,000 | 1,979 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,075,000 | 3,080 |
| Total interest expense | $3,349,000 | 3,343 |
| Net interest income | $5,726,000 | 2,852 |
| Provision for loan and lease losses | $375,000 | 3,175 |
| Total noninterest income | $1,920,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $660,000 | 1,964 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,260,000 | 1,535 |
| Total noninterest expense | $4,925,000 | 2,809 |
| Salaries and employee benefits | $2,748,000 | 2,731 |
| Premises and equipment expense | $562,000 | 3,359 |
| Additional noninterest expense | $1,615,000 | 2,597 |
| Pre-tax net operating income | $2,346,000 | 2,038 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $770,000 | 1,410 |
| Income before extraordinary items | $1,576,000 | 2,225 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,576,000 | 2,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,695 |
| Cash dividends | $300,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 825 |
| Net operating income | $1,576,000 | 2,339 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 3,174 |
| Total interest expense | $2,333,000 | 3,361 |
| Net interest income | $3,626,000 | 2,967 |
| Provision for loan and lease losses | $180,000 | 3,306 |
| Total noninterest income | $1,194,000 | 1,956 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $437,000 | 1,949 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $757,000 | 1,698 |
| Total noninterest expense | $3,290,000 | 2,808 |
| Salaries and employee benefits | $1,864,000 | 2,731 |
| Premises and equipment expense | $374,000 | 3,393 |
| Additional noninterest expense | $1,052,000 | 2,623 |
| Pre-tax net operating income | $1,350,000 | 2,391 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $408,000 | 1,849 |
| Income before extraordinary items | $942,000 | 2,700 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $942,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,332 |
| Cash dividends | $200,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 718 |
| Net operating income | $942,000 | 2,645 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,005,000 | 3,226 |
| Total interest expense | $1,286,000 | 3,284 |
| Net interest income | $1,719,000 | 3,125 |
| Provision for loan and lease losses | $55,000 | 3,686 |
| Total noninterest income | $544,000 | 2,106 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $209,000 | 1,999 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $335,000 | 1,837 |
| Total noninterest expense | $1,534,000 | 2,994 |
| Salaries and employee benefits | $865,000 | 2,942 |
| Premises and equipment expense | $191,000 | 3,362 |
| Additional noninterest expense | $478,000 | 2,828 |
| Pre-tax net operating income | $674,000 | 2,487 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $257,000 | 1,654 |
| Income before extraordinary items | $417,000 | 3,105 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $417,000 | 3,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,243 |
| Cash dividends | $100,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 534 |
| Net operating income | $417,000 | 3,027 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,153,000 | 3,032 |
| Total interest expense | $5,328,000 | 3,312 |
| Net interest income | $7,825,000 | 2,786 |
| Provision for loan and lease losses | $75,000 | 5,254 |
| Total noninterest income | $2,234,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $750,000 | 2,240 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,484,000 | 1,685 |
| Total noninterest expense | $6,225,000 | 2,866 |
| Salaries and employee benefits | $3,341,000 | 2,944 |
| Premises and equipment expense | $801,000 | 3,076 |
| Additional noninterest expense | $2,083,000 | 2,567 |
| Pre-tax net operating income | $3,759,000 | 2,076 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,403,000 | 1,479 |
| Income before extraordinary items | $2,356,000 | 2,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,356,000 | 2,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,963 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 824 |
| Net operating income | $2,356,000 | 2,492 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,877,000 | 3,017 |
| Total interest expense | $3,970,000 | 3,306 |
| Net interest income | $5,907,000 | 2,768 |
| Provision for loan and lease losses | $75,000 | 4,567 |
| Total noninterest income | $1,622,000 | 2,101 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $537,000 | 2,311 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,085,000 | 1,724 |
| Total noninterest expense | $4,681,000 | 2,837 |
| Salaries and employee benefits | $2,576,000 | 2,837 |
| Premises and equipment expense | $574,000 | 3,184 |
| Additional noninterest expense | $1,531,000 | 2,565 |
| Pre-tax net operating income | $2,773,000 | 2,252 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,107,000 | 1,529 |
| Income before extraordinary items | $1,666,000 | 2,754 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,666,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,861 |
| Cash dividends | $300,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 652 |
| Net operating income | $1,666,000 | 2,738 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,515,000 | 3,053 |
| Total interest expense | $2,541,000 | 3,415 |
| Net interest income | $3,974,000 | 2,768 |
| Provision for loan and lease losses | $75,000 | 3,728 |
| Total noninterest income | $1,015,000 | 2,229 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $336,000 | 2,428 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $679,000 | 1,818 |
| Total noninterest expense | $3,103,000 | 2,887 |
| Salaries and employee benefits | $1,745,000 | 2,845 |
| Premises and equipment expense | $365,000 | 3,327 |
| Additional noninterest expense | $993,000 | 2,643 |
| Pre-tax net operating income | $1,811,000 | 2,332 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $723,000 | 1,620 |
| Income before extraordinary items | $1,088,000 | 2,854 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,088,000 | 2,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,279 |
| Cash dividends | $200,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 576 |
| Net operating income | $1,088,000 | 2,835 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 3,071 |
| Total interest expense | $1,263,000 | 3,409 |
| Net interest income | $1,963,000 | 2,807 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $495,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $155,000 | 2,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $340,000 | 1,791 |
| Total noninterest expense | $1,531,000 | 2,930 |
| Salaries and employee benefits | $858,000 | 2,892 |
| Premises and equipment expense | $167,000 | 3,593 |
| Additional noninterest expense | $506,000 | 2,591 |
| Pre-tax net operating income | $877,000 | 2,390 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $350,000 | 1,669 |
| Income before extraordinary items | $527,000 | 2,894 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $527,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,225 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 485 |
| Net operating income | $527,000 | 2,882 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,539,000 | 2,972 |
| Total interest expense | $4,026,000 | 3,582 |
| Net interest income | $8,513,000 | 2,644 |
| Provision for loan and lease losses | $900,000 | 1,140 |
| Total noninterest income | $1,861,000 | 2,345 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $501,000 | 3,055 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,360,000 | 1,791 |
| Total noninterest expense | $6,028,000 | 2,862 |
| Salaries and employee benefits | $3,193,000 | 2,959 |
| Premises and equipment expense | $548,000 | 4,013 |
| Additional noninterest expense | $2,287,000 | 2,275 |
| Pre-tax net operating income | $3,446,000 | 2,517 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,507,000 | 1,660 |
| Income before extraordinary items | $1,939,000 | 3,168 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,939,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $495,000 | 1,188 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $137,000 | 835 |
| Net operating income | $1,939,000 | 3,152 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,990,000 | 3,069 |
| Total interest expense | $2,832,000 | 3,645 |
| Net interest income | $6,158,000 | 2,723 |
| Provision for loan and lease losses | $645,000 | 1,130 |
| Total noninterest income | $1,432,000 | 2,305 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $363,000 | 3,146 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,069,000 | 1,740 |
| Total noninterest expense | $4,335,000 | 2,959 |
| Salaries and employee benefits | $2,148,000 | 3,257 |
| Premises and equipment expense | $390,000 | 4,163 |
| Additional noninterest expense | $1,797,000 | 2,172 |
| Pre-tax net operating income | $2,610,000 | 2,571 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,015,000 | 1,862 |
| Income before extraordinary items | $1,595,000 | 3,071 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,595,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,495 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,595,000 | 3,060 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,674,000 | 3,179 |
| Total interest expense | $1,703,000 | 3,796 |
| Net interest income | $3,971,000 | 2,803 |
| Provision for loan and lease losses | $395,000 | 1,186 |
| Total noninterest income | $981,000 | 2,257 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $248,000 | 3,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $733,000 | 1,700 |
| Total noninterest expense | $2,818,000 | 3,039 |
| Salaries and employee benefits | $1,385,000 | 3,349 |
| Premises and equipment expense | $275,000 | 4,040 |
| Additional noninterest expense | $1,158,000 | 2,248 |
| Pre-tax net operating income | $1,739,000 | 2,572 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $676,000 | 1,885 |
| Income before extraordinary items | $1,063,000 | 3,070 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,063,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,120 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,063,000 | 3,059 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 3,236 |
| Total interest expense | $764,000 | 3,939 |
| Net interest income | $1,943,000 | 2,848 |
| Provision for loan and lease losses | $95,000 | 2,071 |
| Total noninterest income | $443,000 | 2,378 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $124,000 | 3,011 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $319,000 | 1,847 |
| Total noninterest expense | $1,394,000 | 3,074 |
| Salaries and employee benefits | $695,000 | 3,364 |
| Premises and equipment expense | $135,000 | 4,091 |
| Additional noninterest expense | $564,000 | 2,278 |
| Pre-tax net operating income | $897,000 | 2,473 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $349,000 | 1,819 |
| Income before extraordinary items | $548,000 | 2,933 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $548,000 | 2,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $548,000 | 2,921 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,639,000 | 3,526 |
| Total interest expense | $2,074,000 | 4,330 |
| Net interest income | $6,565,000 | 3,185 |
| Provision for loan and lease losses | $619,000 | 1,589 |
| Total noninterest income | $1,971,000 | 2,236 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $442,000 | 3,324 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,529,000 | 1,637 |
| Total noninterest expense | $5,531,000 | 2,964 |
| Salaries and employee benefits | $3,080,000 | 2,911 |
| Premises and equipment expense | $465,000 | 4,396 |
| Additional noninterest expense | $1,986,000 | 2,514 |
| Pre-tax net operating income | $2,386,000 | 3,251 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $926,000 | 2,363 |
| Income before extraordinary items | $1,460,000 | 3,846 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,460,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,690 |
| Cash dividends | $400,000 | 3,975 |
| Sale, conversion, retirement of capital stock, net | $10,150,000 | 183 |
| Net operating income | $1,460,000 | 3,821 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,079,000 | 3,664 |
| Total interest expense | $1,428,000 | 4,445 |
| Net interest income | $4,651,000 | 3,329 |
| Provision for loan and lease losses | $574,000 | 1,244 |
| Total noninterest income | $1,484,000 | 2,225 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $333,000 | 3,320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,151,000 | 1,635 |
| Total noninterest expense | $4,073,000 | 2,972 |
| Salaries and employee benefits | $2,253,000 | 2,931 |
| Premises and equipment expense | $355,000 | 4,325 |
| Additional noninterest expense | $1,465,000 | 2,512 |
| Pre-tax net operating income | $1,488,000 | 3,773 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $576,000 | 2,706 |
| Income before extraordinary items | $912,000 | 4,422 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $912,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,672 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $10,150,000 | 127 |
| Net operating income | $912,000 | 4,381 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,779,000 | 3,796 |
| Total interest expense | $867,000 | 4,544 |
| Net interest income | $2,912,000 | 3,483 |
| Provision for loan and lease losses | $529,000 | 936 |
| Total noninterest income | $958,000 | 2,250 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $204,000 | 3,467 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $754,000 | 1,651 |
| Total noninterest expense | $2,629,000 | 3,058 |
| Salaries and employee benefits | $1,418,000 | 3,076 |
| Premises and equipment expense | $229,000 | 4,396 |
| Additional noninterest expense | $982,000 | 2,472 |
| Pre-tax net operating income | $712,000 | 4,571 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $274,000 | 3,254 |
| Income before extraordinary items | $438,000 | 5,223 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $438,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,912 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $10,150,000 | 85 |
| Net operating income | $438,000 | 5,173 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,751,000 | 4,000 |
| Total interest expense | $410,000 | 4,601 |
| Net interest income | $1,341,000 | 3,721 |
| Provision for loan and lease losses | $514,000 | 461 |
| Total noninterest income | $308,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $84,000 | 3,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $224,000 | 2,309 |
| Total noninterest expense | $1,374,000 | 2,935 |
| Salaries and employee benefits | $719,000 | 3,056 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $539,000 | 2,260 |
| Pre-tax net operating income | $-239,000 | 8,752 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-96,000 | 8,836 |
| Income before extraordinary items | $-143,000 | 8,703 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-143,000 | 8,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-143,000 | 8,684 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,947,000 | 4,292 |
| Total interest expense | $1,557,000 | 4,412 |
| Net interest income | $4,390,000 | 4,192 |
| Provision for loan and lease losses | $210,000 | 3,601 |
| Total noninterest income | $1,536,000 | 2,640 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $295,000 | 4,354 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,241,000 | 1,860 |
| Total noninterest expense | $4,225,000 | 3,579 |
| Salaries and employee benefits | $2,287,000 | 3,584 |
| Premises and equipment expense | $586,000 | 3,599 |
| Additional noninterest expense | $1,352,000 | 3,408 |
| Pre-tax net operating income | $1,491,000 | 4,261 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $573,000 | 3,112 |
| Income before extraordinary items | $926,000 | 4,895 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $926,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,217 |
| Cash dividends | $107,000 | 5,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $920,880 | 4,842 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,293,000 | 4,381 |
| Total interest expense | $1,146,000 | 4,428 |
| Net interest income | $3,147,000 | 4,327 |
| Provision for loan and lease losses | $158,000 | 3,444 |
| Total noninterest income | $1,191,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $223,000 | 4,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $968,000 | 1,808 |
| Total noninterest expense | $3,054,000 | 3,666 |
| Salaries and employee benefits | $1,676,000 | 3,631 |
| Premises and equipment expense | $439,000 | 3,611 |
| Additional noninterest expense | $939,000 | 3,592 |
| Pre-tax net operating income | $1,126,000 | 4,329 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $438,000 | 3,142 |
| Income before extraordinary items | $688,000 | 4,997 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $688,000 | 4,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,609 |
| Cash dividends | $19,000 | 5,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $688,000 | 4,911 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,762,000 | 4,504 |
| Total interest expense | $751,000 | 4,474 |
| Net interest income | $2,011,000 | 4,462 |
| Provision for loan and lease losses | $105,000 | 3,376 |
| Total noninterest income | $780,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $144,000 | 4,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $636,000 | 1,841 |
| Total noninterest expense | $2,030,000 | 3,689 |
| Salaries and employee benefits | $1,114,000 | 3,660 |
| Premises and equipment expense | $295,000 | 3,605 |
| Additional noninterest expense | $621,000 | 3,646 |
| Pre-tax net operating income | $656,000 | 4,607 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $256,000 | 3,350 |
| Income before extraordinary items | $400,000 | 5,322 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $400,000 | 5,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,422 |
| Cash dividends | $19,000 | 4,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $400,000 | 5,234 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 4,607 |
| Total interest expense | $354,000 | 4,672 |
| Net interest income | $991,000 | 4,510 |
| Provision for loan and lease losses | $52,000 | 3,247 |
| Total noninterest income | $369,000 | 2,688 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $67,000 | 4,509 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $302,000 | 1,879 |
| Total noninterest expense | $1,015,000 | 3,711 |
| Salaries and employee benefits | $534,000 | 3,801 |
| Premises and equipment expense | $149,000 | 3,610 |
| Additional noninterest expense | $332,000 | 3,451 |
| Pre-tax net operating income | $293,000 | 4,862 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $115,000 | 3,550 |
| Income before extraordinary items | $178,000 | 5,622 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $178,000 | 5,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $19,000 | 3,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $178,000 | 5,496 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,125,000 | 4,807 |
| Total interest expense | $1,427,000 | 5,025 |
| Net interest income | $3,698,000 | 4,620 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $2,137,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $259,000 | 4,671 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,878,000 | 1,540 |
| Total noninterest expense | $3,807,000 | 3,851 |
| Salaries and employee benefits | $2,215,000 | 3,604 |
| Premises and equipment expense | $433,000 | 4,480 |
| Additional noninterest expense | $1,159,000 | 3,828 |
| Pre-tax net operating income | $1,578,000 | 3,996 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $619,000 | 3,001 |
| Income before extraordinary items | $959,000 | 4,758 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $959,000 | 4,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,349 |
| Cash dividends | $25,000 | 6,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $959,000 | 4,595 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 4,910 |
| Total interest expense | $1,079,000 | 5,142 |
| Net interest income | $2,720,000 | 4,700 |
| Provision for loan and lease losses | $370,000 | 2,151 |
| Total noninterest income | $1,738,000 | 2,121 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $194,000 | 4,693 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,544,000 | 1,507 |
| Total noninterest expense | $2,882,000 | 3,817 |
| Salaries and employee benefits | $1,678,000 | 3,561 |
| Premises and equipment expense | $334,000 | 4,401 |
| Additional noninterest expense | $870,000 | 3,803 |
| Pre-tax net operating income | $1,206,000 | 4,055 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $472,000 | 3,128 |
| Income before extraordinary items | $734,000 | 4,855 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $734,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,556 |
| Cash dividends | $8,000 | 5,461 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 604 |
| Net operating income | $734,000 | 4,664 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 4,982 |
| Total interest expense | $724,000 | 5,238 |
| Net interest income | $1,783,000 | 4,745 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $1,125,000 | 2,166 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $126,000 | 4,731 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $999,000 | 1,520 |
| Total noninterest expense | $1,875,000 | 3,874 |
| Salaries and employee benefits | $1,096,000 | 3,619 |
| Premises and equipment expense | $216,000 | 4,484 |
| Additional noninterest expense | $563,000 | 3,890 |
| Pre-tax net operating income | $763,000 | 4,190 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $298,000 | 3,254 |
| Income before extraordinary items | $465,000 | 4,986 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $465,000 | 4,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 1,946 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $465,000 | 4,785 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 5,173 |
| Total interest expense | $359,000 | 5,376 |
| Net interest income | $836,000 | 4,935 |
| Provision for loan and lease losses | $140,000 | 1,874 |
| Total noninterest income | $486,000 | 2,332 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $431,000 | 1,650 |
| Total noninterest expense | $892,000 | 4,018 |
| Salaries and employee benefits | $514,000 | 3,825 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $273,000 | 3,941 |
| Pre-tax net operating income | $290,000 | 4,872 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $113,000 | 3,736 |
| Income before extraordinary items | $177,000 | 5,641 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $177,000 | 5,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,279 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $177,000 | 5,442 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,658,000 | 5,410 |
| Total interest expense | $1,711,000 | 5,304 |
| Net interest income | $2,947,000 | 5,342 |
| Provision for loan and lease losses | $320,000 | 3,297 |
| Total noninterest income | $1,647,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $227,000 | 4,933 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,420,000 | 1,717 |
| Total noninterest expense | $3,434,000 | 4,036 |
| Salaries and employee benefits | $1,911,000 | 3,890 |
| Premises and equipment expense | $406,000 | 4,596 |
| Additional noninterest expense | $1,117,000 | 3,818 |
| Pre-tax net operating income | $840,000 | 5,644 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $325,000 | 4,307 |
| Income before extraordinary items | $515,000 | 6,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $515,000 | 6,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,865 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 728 |
| Net operating income | $515,000 | 6,180 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,834,000 | 5,737 |
| Total interest expense | $2,254,000 | 5,741 |
| Net interest income | $2,580,000 | 5,607 |
| Provision for loan and lease losses | $339,000 | 2,974 |
| Total noninterest income | $1,678,000 | 2,310 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $184,000 | 5,335 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,494,000 | 1,521 |
| Total noninterest expense | $3,373,000 | 3,942 |
| Salaries and employee benefits | $1,837,000 | 3,852 |
| Premises and equipment expense | $380,000 | 4,764 |
| Additional noninterest expense | $1,156,000 | 3,618 |
| Pre-tax net operating income | $546,000 | 6,377 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $208,000 | 4,954 |
| Income before extraordinary items | $356,000 | 6,804 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $356,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,849 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $208,000 | 578 |
| Net operating income | $344,480 | 6,751 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,115,000 | 6,395 |
| Total interest expense | $1,768,000 | 6,665 |
| Net interest income | $2,347,000 | 6,033 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $464,000 | 5,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,019 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,719 |
| Total noninterest expense | $2,258,000 | 5,234 |
| Salaries and employee benefits | $1,146,000 | 5,398 |
| Premises and equipment expense | $287,000 | 5,563 |
| Additional noninterest expense | $825,000 | 4,634 |
| Pre-tax net operating income | $253,000 | 8,108 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $96,000 | 6,557 |
| Income before extraordinary items | $157,000 | 8,370 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $157,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,693 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $964,000 | 463 |
| Net operating income | $157,000 | 8,368 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,591,000 | 7,810 |
| Total interest expense | $1,005,000 | 8,168 |
| Net interest income | $1,586,000 | 7,426 |
| Provision for loan and lease losses | $170,000 | 3,962 |
| Total noninterest income | $480,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $397,000 | 3,441 |
| Total noninterest expense | $1,736,000 | 6,219 |
| Salaries and employee benefits | $842,000 | 6,566 |
| Premises and equipment expense | $230,000 | 6,345 |
| Additional noninterest expense | $664,000 | 5,444 |
| Pre-tax net operating income | $160,000 | 8,754 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-7,000 | 9,644 |
| Income before extraordinary items | $167,000 | 8,531 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $167,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $167,000 | 8,493 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,572,000 | 9,196 |
| Total interest expense | $535,000 | 9,615 |
| Net interest income | $1,037,000 | 8,713 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $385,000 | 5,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $361,000 | 3,643 |
| Total noninterest expense | $1,160,000 | 7,655 |
| Salaries and employee benefits | $561,000 | 7,978 |
| Premises and equipment expense | $186,000 | 6,941 |
| Additional noninterest expense | $413,000 | 7,114 |
| Pre-tax net operating income | $52,000 | 9,609 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-75,000 | 10,180 |
| Income before extraordinary items | $127,000 | 9,139 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $127,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $127,000 | 9,061 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 10,781 |
| Total interest expense | $65,000 | 10,812 |
| Net interest income | $273,000 | 10,713 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $218,000 | 7,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 4,828 |
| Total noninterest expense | $873,000 | 8,774 |
| Salaries and employee benefits | $371,000 | 9,446 |
| Premises and equipment expense | $80,000 | 9,436 |
| Additional noninterest expense | $422,000 | 7,177 |
| Pre-tax net operating income | $-432,000 | 10,716 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-432,000 | 10,736 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-432,000 | 10,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,673,000 | 270 |
| Net operating income | $-432,000 | 10,717 |
* 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.