Home > Centerville State Bank > Income and Expense
Centerville State Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $133,000 | 8,564 |
| Total interest expense | $30,000 | 8,506 |
| Net interest income | $103,000 | 8,566 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $8,000 | 8,392 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $7,000 | 7,313 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,000 | 8,368 |
| Total noninterest expense | $111,000 | 8,571 |
| Salaries and employee benefits | $44,000 | 8,571 |
| Premises and equipment expense | $4,000 | 8,558 |
| Additional noninterest expense | $63,000 | 8,401 |
| Pre-tax net operating income | $0 | 7,762 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $0 | 7,791 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $0 | 7,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $0 | 7,775 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $66,000 | 8,611 |
| Total interest expense | $15,000 | 8,559 |
| Net interest income | $51,000 | 8,608 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $3,000 | 8,453 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,000 | 7,430 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $54,000 | 8,610 |
| Salaries and employee benefits | $22,000 | 8,616 |
| Premises and equipment expense | $1,000 | 8,595 |
| Additional noninterest expense | $31,000 | 8,438 |
| Pre-tax net operating income | $0 | 7,834 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $0 | 7,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $0 | 7,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $0 | 7,840 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $301,000 | 8,603 |
| Total interest expense | $71,000 | 8,556 |
| Net interest income | $230,000 | 8,591 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $18,000 | 8,424 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $15,000 | 7,347 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,437 |
| Total noninterest expense | $223,000 | 8,636 |
| Salaries and employee benefits | $84,000 | 8,642 |
| Premises and equipment expense | $12,000 | 8,617 |
| Additional noninterest expense | $127,000 | 8,462 |
| Pre-tax net operating income | $25,000 | 7,887 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-1,000 | 8,132 |
| Income before extraordinary items | $26,000 | 7,911 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $26,000 | 7,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $26,000 | 7,899 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $232,000 | 8,671 |
| Total interest expense | $54,000 | 8,623 |
| Net interest income | $178,000 | 8,659 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $13,000 | 8,521 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $11,000 | 7,422 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,526 |
| Total noninterest expense | $77,000 | 8,719 |
| Salaries and employee benefits | $39,000 | 8,709 |
| Premises and equipment expense | $10,000 | 8,670 |
| Additional noninterest expense | $28,000 | 8,720 |
| Pre-tax net operating income | $114,000 | 7,754 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-1,000 | 8,369 |
| Income before extraordinary items | $115,000 | 7,650 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $115,000 | 7,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $115,000 | 7,648 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $153,000 | 8,716 |
| Total interest expense | $38,000 | 8,657 |
| Net interest income | $115,000 | 8,707 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $8,000 | 8,574 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $7,000 | 7,483 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $44,000 | 8,761 |
| Salaries and employee benefits | $21,000 | 8,748 |
| Premises and equipment expense | $5,000 | 8,718 |
| Additional noninterest expense | $18,000 | 8,758 |
| Pre-tax net operating income | $79,000 | 7,808 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-1,000 | 8,427 |
| Income before extraordinary items | $80,000 | 7,686 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $80,000 | 7,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $80,000 | 7,690 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $74,000 | 8,739 |
| Total interest expense | $20,000 | 8,674 |
| Net interest income | $54,000 | 8,734 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $4,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $26,000 | 8,773 |
| Salaries and employee benefits | $12,000 | 8,759 |
| Premises and equipment expense | $3,000 | 8,717 |
| Additional noninterest expense | $11,000 | 8,766 |
| Pre-tax net operating income | $32,000 | 7,902 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-1,000 | 8,441 |
| Income before extraordinary items | $33,000 | 7,789 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $33,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $33,000 | 7,786 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $282,000 | 8,726 |
| Total interest expense | $88,000 | 8,645 |
| Net interest income | $194,000 | 8,734 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $16,000 | 8,620 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $12,000 | 7,570 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,000 | 8,569 |
| Total noninterest expense | $144,000 | 8,806 |
| Salaries and employee benefits | $50,000 | 8,798 |
| Premises and equipment expense | $10,000 | 8,775 |
| Additional noninterest expense | $84,000 | 8,742 |
| Pre-tax net operating income | $61,000 | 8,098 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,000 | 6,709 |
| Income before extraordinary items | $57,000 | 8,118 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $57,000 | 8,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $57,000 | 8,089 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $207,000 | 8,767 |
| Total interest expense | $68,000 | 8,686 |
| Net interest income | $139,000 | 8,781 |
| Provision for loan and lease losses | $4,000 | 6,766 |
| Total noninterest income | $13,000 | 8,679 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,585 |
| Total noninterest expense | $120,000 | 8,830 |
| Salaries and employee benefits | $41,000 | 8,829 |
| Premises and equipment expense | $7,000 | 8,803 |
| Additional noninterest expense | $72,000 | 8,721 |
| Pre-tax net operating income | $28,000 | 8,256 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $28,000 | 8,273 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $28,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $28,000 | 8,239 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $135,000 | 8,792 |
| Total interest expense | $47,000 | 8,682 |
| Net interest income | $88,000 | 8,802 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $9,000 | 8,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $6,000 | 7,638 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,000 | 8,558 |
| Total noninterest expense | $87,000 | 8,837 |
| Salaries and employee benefits | $32,000 | 8,834 |
| Premises and equipment expense | $4,000 | 8,801 |
| Additional noninterest expense | $51,000 | 8,713 |
| Pre-tax net operating income | $8,000 | 8,324 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $8,000 | 8,345 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,000 | 8,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,000 | 8,314 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $64,000 | 8,868 |
| Total interest expense | $24,000 | 8,749 |
| Net interest income | $40,000 | 8,882 |
| Provision for loan and lease losses | $1,000 | 6,172 |
| Total noninterest income | $4,000 | 8,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $36,000 | 8,909 |
| Salaries and employee benefits | $16,000 | 8,905 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $18,000 | 8,845 |
| Pre-tax net operating income | $7,000 | 8,372 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $7,000 | 8,391 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,000 | 8,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,000 | 8,364 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $276,000 | 8,863 |
| Total interest expense | $115,000 | 8,701 |
| Net interest income | $161,000 | 8,884 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $15,000 | 8,813 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $12,000 | 7,754 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,748 |
| Total noninterest expense | $141,000 | 8,951 |
| Salaries and employee benefits | $68,000 | 8,941 |
| Premises and equipment expense | $10,000 | 8,917 |
| Additional noninterest expense | $63,000 | 8,906 |
| Pre-tax net operating income | $35,000 | 8,297 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $8,000 | 6,812 |
| Income before extraordinary items | $23,000 | 8,367 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $23,000 | 8,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $25,960 | 8,325 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $204,000 | 8,919 |
| Total interest expense | $88,000 | 8,755 |
| Net interest income | $116,000 | 8,940 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $11,000 | 8,875 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $9,000 | 7,795 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,821 |
| Total noninterest expense | $108,000 | 9,000 |
| Salaries and employee benefits | $54,000 | 8,987 |
| Premises and equipment expense | $8,000 | 8,960 |
| Additional noninterest expense | $46,000 | 8,954 |
| Pre-tax net operating income | $19,000 | 8,413 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $19,000 | 8,443 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $19,000 | 8,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $19,000 | 8,401 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $131,000 | 8,986 |
| Total interest expense | $60,000 | 8,811 |
| Net interest income | $71,000 | 9,005 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $9,000 | 8,913 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $7,000 | 7,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $66,000 | 9,059 |
| Salaries and employee benefits | $33,000 | 9,047 |
| Premises and equipment expense | $5,000 | 9,017 |
| Additional noninterest expense | $28,000 | 9,018 |
| Pre-tax net operating income | $14,000 | 8,447 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $14,000 | 8,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $14,000 | 8,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $14,000 | 8,432 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $60,000 | 9,033 |
| Total interest expense | $31,000 | 8,847 |
| Net interest income | $29,000 | 9,062 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $5,000 | 8,935 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $30,000 | 9,099 |
| Salaries and employee benefits | $13,000 | 9,089 |
| Premises and equipment expense | $3,000 | 9,031 |
| Additional noninterest expense | $14,000 | 9,062 |
| Pre-tax net operating income | $4,000 | 8,497 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $4,000 | 8,544 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $4,000 | 8,488 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $24,000 | 9,167 |
| Total interest expense | $11,000 | 9,099 |
| Net interest income | $13,000 | 9,163 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,000 | 9,113 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,000 | 9,013 |
| Total noninterest expense | $12,000 | 9,174 |
| Salaries and employee benefits | $5,000 | 9,159 |
| Premises and equipment expense | $1,000 | 9,146 |
| Additional noninterest expense | $6,000 | 9,171 |
| Pre-tax net operating income | $3,000 | 8,517 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,000 | 7,379 |
| Income before extraordinary items | $2,000 | 8,620 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,000 | 8,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,000 | 8,531 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $253,000 | 9,110 |
| Total interest expense | $129,000 | 8,914 |
| Net interest income | $124,000 | 9,139 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $8,000 | 9,122 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 8,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,035 |
| Total noninterest expense | $107,000 | 9,212 |
| Salaries and employee benefits | $57,000 | 9,199 |
| Premises and equipment expense | $1,000 | 9,197 |
| Additional noninterest expense | $49,000 | 9,158 |
| Pre-tax net operating income | $25,000 | 8,551 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-40,000 | 9,000 |
| Income before extraordinary items | $65,000 | 8,438 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $65,000 | 8,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $65,000 | 8,322 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $166,000 | 9,158 |
| Total interest expense | $89,000 | 8,953 |
| Net interest income | $77,000 | 9,191 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $6,000 | 9,151 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $75,000 | 9,239 |
| Salaries and employee benefits | $42,000 | 9,226 |
| Premises and equipment expense | $0 | 9,227 |
| Additional noninterest expense | $33,000 | 9,184 |
| Pre-tax net operating income | $8,000 | 8,619 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-36,000 | 9,063 |
| Income before extraordinary items | $44,000 | 8,475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $44,000 | 8,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $44,000 | 8,346 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $83,000 | 9,201 |
| Total interest expense | $47,000 | 9,000 |
| Net interest income | $36,000 | 9,239 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $4,000 | 9,162 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,000 | 8,071 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $43,000 | 9,274 |
| Salaries and employee benefits | $28,000 | 9,246 |
| Premises and equipment expense | $2,000 | 9,243 |
| Additional noninterest expense | $13,000 | 9,250 |
| Pre-tax net operating income | $-3,000 | 8,729 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-17,000 | 9,109 |
| Income before extraordinary items | $14,000 | 8,576 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $14,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $14,000 | 8,462 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $389,000 | 9,210 |
| Total interest expense | $224,000 | 9,032 |
| Net interest income | $165,000 | 9,260 |
| Provision for loan and lease losses | $195,000 | 4,416 |
| Total noninterest income | $12,000 | 9,216 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $9,000 | 8,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,000 | 9,127 |
| Total noninterest expense | $162,000 | 9,316 |
| Salaries and employee benefits | $104,000 | 9,287 |
| Premises and equipment expense | $8,000 | 9,300 |
| Additional noninterest expense | $50,000 | 9,298 |
| Pre-tax net operating income | $-180,000 | 8,823 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-38,000 | 8,968 |
| Income before extraordinary items | $-142,000 | 8,870 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-142,000 | 8,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 3,017 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-142,000 | 8,814 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $487,000 | 9,432 |
| Total interest expense | $275,000 | 9,317 |
| Net interest income | $212,000 | 9,482 |
| Provision for loan and lease losses | $4,000 | 8,142 |
| Total noninterest income | $12,000 | 9,464 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $9,000 | 8,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,000 | 9,387 |
| Total noninterest expense | $148,000 | 9,586 |
| Salaries and employee benefits | $96,000 | 9,556 |
| Premises and equipment expense | $6,000 | 9,566 |
| Additional noninterest expense | $46,000 | 9,562 |
| Pre-tax net operating income | $72,000 | 8,456 |
| Securities gains (losses) | $11,000 | 3,540 |
| Applicable income taxes | $20,000 | 7,319 |
| Income before extraordinary items | $63,000 | 8,545 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $63,000 | 8,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $60,000 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $54,640 | 8,492 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $457,000 | 9,717 |
| Total interest expense | $259,000 | 9,585 |
| Net interest income | $198,000 | 9,773 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $14,000 | 9,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 8,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $186,000 | 9,851 |
| Salaries and employee benefits | $99,000 | 9,833 |
| Premises and equipment expense | $9,000 | 9,836 |
| Additional noninterest expense | $78,000 | 9,753 |
| Pre-tax net operating income | $26,000 | 9,032 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $5,000 | 8,201 |
| Income before extraordinary items | $26,000 | 9,047 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $26,000 | 9,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $21,800 | 9,054 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $442,000 | 10,008 |
| Total interest expense | $243,000 | 9,878 |
| Net interest income | $199,000 | 10,060 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $16,000 | 10,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $250,000 | 10,113 |
| Salaries and employee benefits | $91,000 | 10,149 |
| Premises and equipment expense | $10,000 | 10,153 |
| Additional noninterest expense | $149,000 | 9,522 |
| Pre-tax net operating income | $-35,000 | 9,469 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $-4,000 | 9,629 |
| Income before extraordinary items | $-24,000 | 9,477 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-24,000 | 9,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-30,020 | 9,463 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $445,000 | 10,252 |
| Total interest expense | $252,000 | 10,122 |
| Net interest income | $193,000 | 10,300 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $14,000 | 10,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 8,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $223,000 | 10,357 |
| Salaries and employee benefits | $88,000 | 10,384 |
| Premises and equipment expense | $19,000 | 10,320 |
| Additional noninterest expense | $116,000 | 9,996 |
| Pre-tax net operating income | $-16,000 | 9,827 |
| Securities gains (losses) | $32,000 | 2,083 |
| Applicable income taxes | $3,000 | 9,247 |
| Income before extraordinary items | $13,000 | 9,786 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $13,000 | 9,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-12,920 | 9,817 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 10,718 |
| Total interest expense | $258,000 | 10,585 |
| Net interest income | $219,000 | 10,762 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $17,000 | 10,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 9,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $188,000 | 10,837 |
| Salaries and employee benefits | $83,000 | 10,846 |
| Premises and equipment expense | $16,000 | 10,802 |
| Additional noninterest expense | $89,000 | 10,625 |
| Pre-tax net operating income | $48,000 | 10,252 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $7,000 | 9,935 |
| Income before extraordinary items | $41,000 | 10,282 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $41,000 | 10,284 |
| 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 | $0 | 1,030 |
| Net operating income | $41,000 | 10,246 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $430,000 | 11,291 |
| Total interest expense | $232,000 | 11,188 |
| Net interest income | $198,000 | 11,335 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $14,000 | 11,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 9,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $145,000 | 11,409 |
| Salaries and employee benefits | $81,000 | 11,390 |
| Premises and equipment expense | $26,000 | 11,208 |
| Additional noninterest expense | $38,000 | 11,414 |
| Pre-tax net operating income | $67,000 | 10,523 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $14,000 | 10,306 |
| Income before extraordinary items | $53,000 | 10,564 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $53,000 | 10,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $53,000 | 10,513 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $418,000 | 11,824 |
| Total interest expense | $209,000 | 11,735 |
| Net interest income | $209,000 | 11,854 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $15,000 | 11,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 10,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $156,000 | 11,913 |
| Salaries and employee benefits | $76,000 | 11,914 |
| Premises and equipment expense | $0 | 11,950 |
| Additional noninterest expense | $80,000 | 11,767 |
| Pre-tax net operating income | $68,000 | 11,239 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $12,000 | 10,895 |
| Income before extraordinary items | $56,000 | 11,254 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $56,000 | 11,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $56,000 | 11,228 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $362,000 | 12,495 |
| Total interest expense | $182,000 | 12,380 |
| Net interest income | $180,000 | 12,521 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $13,000 | 12,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 12,453 |
| Total noninterest expense | $154,000 | 12,556 |
| Salaries and employee benefits | $76,000 | 12,553 |
| Premises and equipment expense | $0 | 12,581 |
| Additional noninterest expense | $78,000 | 12,443 |
| Pre-tax net operating income | $39,000 | 11,953 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $7,000 | 11,444 |
| Income before extraordinary items | $41,000 | 11,871 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $41,000 | 11,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $33,350 | 11,947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $382,000 | 13,136 |
| Total interest expense | $181,000 | 13,043 |
| Net interest income | $201,000 | 13,126 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $13,000 | 13,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 11,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $168,000 | 13,214 |
| Salaries and employee benefits | $88,000 | 13,199 |
| Premises and equipment expense | $8,000 | 13,220 |
| Additional noninterest expense | $72,000 | 13,126 |
| Pre-tax net operating income | $46,000 | 12,201 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $7,000 | 11,895 |
| Income before extraordinary items | $39,000 | 12,314 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $39,000 | 12,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $45,000 | 8,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $39,000 | 12,177 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $466,000 | 13,725 |
| Total interest expense | $246,000 | 13,608 |
| Net interest income | $220,000 | 13,750 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $15,000 | 13,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 11,715 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $158,000 | 13,852 |
| Salaries and employee benefits | $83,000 | 13,826 |
| Premises and equipment expense | $0 | 13,907 |
| Additional noninterest expense | $75,000 | 13,723 |
| Pre-tax net operating income | $77,000 | 12,223 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $15,000 | 12,232 |
| Income before extraordinary items | $62,000 | 12,448 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $62,000 | 12,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $62,000 | 12,163 |
* 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.