Home > Century National Bank > Income and Expense
Century National Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $22,304,000 | 885 |
| Total interest expense | $8,405,000 | 1,033 |
| Net interest income | $13,899,000 | 793 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $4,532,000 | 690 |
| Gross Fiduciary activities income | $430,000 | 459 |
| Service charges on deposit accounts | $1,562,000 | 550 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,540,000 | 706 |
| Total noninterest expense | $8,354,000 | 1,163 |
| Salaries and employee benefits | $4,179,000 | 1,234 |
| Premises and equipment expense | $954,000 | 1,459 |
| Additional noninterest expense | $3,221,000 | 923 |
| Pre-tax net operating income | $9,927,000 | 374 |
| Securities gains (losses) | $55,000 | 1,373 |
| Applicable income taxes | $3,394,000 | 357 |
| Income before extraordinary items | $6,588,000 | 427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,588,000 | 426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,722 |
| Cash dividends | $5,300,000 | 314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $6,551,700 | 414 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,376,000 | 885 |
| Total interest expense | $4,537,000 | 1,024 |
| Net interest income | $6,839,000 | 801 |
| Provision for loan and lease losses | $50,000 | 3,776 |
| Total noninterest income | $2,184,000 | 701 |
| Gross Fiduciary activities income | $171,000 | 526 |
| Service charges on deposit accounts | $754,000 | 562 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,259,000 | 704 |
| Total noninterest expense | $4,195,000 | 1,157 |
| Salaries and employee benefits | $2,124,000 | 1,221 |
| Premises and equipment expense | $513,000 | 1,351 |
| Additional noninterest expense | $1,558,000 | 923 |
| Pre-tax net operating income | $4,778,000 | 424 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,619,000 | 404 |
| Income before extraordinary items | $3,159,000 | 474 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,159,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,013 |
| Cash dividends | $3,900,000 | 230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $3,159,000 | 454 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $46,734,000 | 899 |
| Total interest expense | $20,337,000 | 971 |
| Net interest income | $26,397,000 | 825 |
| Provision for loan and lease losses | $545,000 | 2,204 |
| Total noninterest income | $9,451,000 | 636 |
| Gross Fiduciary activities income | $736,000 | 499 |
| Service charges on deposit accounts | $3,378,000 | 515 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,337,000 | 644 |
| Total noninterest expense | $17,263,000 | 1,088 |
| Salaries and employee benefits | $8,833,000 | 1,134 |
| Premises and equipment expense | $1,821,000 | 1,466 |
| Additional noninterest expense | $6,609,000 | 856 |
| Pre-tax net operating income | $18,040,000 | 499 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,127,000 | 466 |
| Income before extraordinary items | $11,913,000 | 551 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $11,913,000 | 549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,440,000 | 781 |
| Cash dividends | $9,500,000 | 432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $11,913,000 | 543 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $34,925,000 | 901 |
| Total interest expense | $15,380,000 | 963 |
| Net interest income | $19,545,000 | 833 |
| Provision for loan and lease losses | $1,065,000 | 856 |
| Total noninterest income | $7,277,000 | 625 |
| Gross Fiduciary activities income | $544,000 | 503 |
| Service charges on deposit accounts | $2,479,000 | 515 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,254,000 | 618 |
| Total noninterest expense | $12,812,000 | 1,091 |
| Salaries and employee benefits | $6,529,000 | 1,148 |
| Premises and equipment expense | $1,412,000 | 1,403 |
| Additional noninterest expense | $4,871,000 | 843 |
| Pre-tax net operating income | $12,945,000 | 563 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,390,000 | 514 |
| Income before extraordinary items | $8,555,000 | 619 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,555,000 | 617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,078,000 | 620 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,555,000 | 610 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,068,000 | 920 |
| Total interest expense | $10,119,000 | 989 |
| Net interest income | $12,949,000 | 864 |
| Provision for loan and lease losses | $795,000 | 702 |
| Total noninterest income | $4,986,000 | 639 |
| Gross Fiduciary activities income | $353,000 | 524 |
| Service charges on deposit accounts | $1,595,000 | 545 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,038,000 | 609 |
| Total noninterest expense | $8,595,000 | 1,094 |
| Salaries and employee benefits | $4,377,000 | 1,169 |
| Premises and equipment expense | $967,000 | 1,370 |
| Additional noninterest expense | $3,251,000 | 868 |
| Pre-tax net operating income | $8,545,000 | 590 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,888,000 | 545 |
| Income before extraordinary items | $5,657,000 | 654 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,657,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $790,000 | 527 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,657,000 | 639 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,469,000 | 921 |
| Total interest expense | $5,106,000 | 965 |
| Net interest income | $6,363,000 | 875 |
| Provision for loan and lease losses | $440,000 | 585 |
| Total noninterest income | $1,951,000 | 770 |
| Gross Fiduciary activities income | $181,000 | 512 |
| Service charges on deposit accounts | $723,000 | 576 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,047,000 | 808 |
| Total noninterest expense | $4,355,000 | 1,076 |
| Salaries and employee benefits | $2,242,000 | 1,152 |
| Premises and equipment expense | $523,000 | 1,290 |
| Additional noninterest expense | $1,590,000 | 866 |
| Pre-tax net operating income | $3,519,000 | 697 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,178,000 | 639 |
| Income before extraordinary items | $2,341,000 | 764 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,341,000 | 763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 412 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,341,000 | 753 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $42,646,000 | 915 |
| Total interest expense | $19,285,000 | 863 |
| Net interest income | $23,361,000 | 951 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $8,498,000 | 700 |
| Gross Fiduciary activities income | $843,000 | 455 |
| Service charges on deposit accounts | $3,344,000 | 513 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,311,000 | 758 |
| Total noninterest expense | $16,385,000 | 1,102 |
| Salaries and employee benefits | $8,532,000 | 1,144 |
| Premises and equipment expense | $1,895,000 | 1,361 |
| Additional noninterest expense | $5,958,000 | 890 |
| Pre-tax net operating income | $15,294,000 | 675 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,145,000 | 624 |
| Income before extraordinary items | $10,149,000 | 732 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,149,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $523,000 | 1,139 |
| Cash dividends | $10,500,000 | 364 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,149,000 | 721 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,219,000 | 875 |
| Total interest expense | $14,036,000 | 871 |
| Net interest income | $19,183,000 | 886 |
| Provision for loan and lease losses | $110,000 | 3,941 |
| Total noninterest income | $6,235,000 | 734 |
| Gross Fiduciary activities income | $635,000 | 449 |
| Service charges on deposit accounts | $2,475,000 | 517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,125,000 | 790 |
| Total noninterest expense | $12,275,000 | 1,103 |
| Salaries and employee benefits | $6,437,000 | 1,148 |
| Premises and equipment expense | $1,414,000 | 1,375 |
| Additional noninterest expense | $4,424,000 | 902 |
| Pre-tax net operating income | $13,033,000 | 628 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,395,000 | 591 |
| Income before extraordinary items | $8,638,000 | 690 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,638,000 | 690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,035 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,638,000 | 680 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,703,000 | 877 |
| Total interest expense | $8,789,000 | 880 |
| Net interest income | $12,914,000 | 877 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $4,099,000 | 739 |
| Gross Fiduciary activities income | $427,000 | 453 |
| Service charges on deposit accounts | $1,617,000 | 527 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,055,000 | 796 |
| Total noninterest expense | $8,188,000 | 1,107 |
| Salaries and employee benefits | $4,302,000 | 1,145 |
| Premises and equipment expense | $931,000 | 1,386 |
| Additional noninterest expense | $2,955,000 | 902 |
| Pre-tax net operating income | $8,785,000 | 621 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,960,000 | 603 |
| Income before extraordinary items | $5,825,000 | 684 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,825,000 | 682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,371 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,825,000 | 670 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,592,000 | 876 |
| Total interest expense | $4,114,000 | 888 |
| Net interest income | $6,478,000 | 874 |
| Provision for loan and lease losses | $-30,000 | 8,591 |
| Total noninterest income | $1,929,000 | 760 |
| Gross Fiduciary activities income | $232,000 | 434 |
| Service charges on deposit accounts | $772,000 | 530 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $925,000 | 853 |
| Total noninterest expense | $4,234,000 | 1,067 |
| Salaries and employee benefits | $2,238,000 | 1,109 |
| Premises and equipment expense | $473,000 | 1,373 |
| Additional noninterest expense | $1,523,000 | 872 |
| Pre-tax net operating income | $4,203,000 | 640 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,413,000 | 611 |
| Income before extraordinary items | $2,790,000 | 693 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,790,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,343 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,790,000 | 678 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,680,000 | 771 |
| Total interest expense | $14,081,000 | 806 |
| Net interest income | $27,599,000 | 764 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $7,440,000 | 786 |
| Gross Fiduciary activities income | $664,000 | 505 |
| Service charges on deposit accounts | $2,737,000 | 625 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,039,000 | 793 |
| Total noninterest expense | $16,068,000 | 1,059 |
| Salaries and employee benefits | $8,741,000 | 1,057 |
| Premises and equipment expense | $1,919,000 | 1,282 |
| Additional noninterest expense | $5,408,000 | 962 |
| Pre-tax net operating income | $18,821,000 | 563 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $6,356,000 | 537 |
| Income before extraordinary items | $12,464,000 | 597 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $12,464,000 | 598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $880,000 | 751 |
| Cash dividends | $21,000,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $12,464,660 | 584 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $31,150,000 | 753 |
| Total interest expense | $10,335,000 | 781 |
| Net interest income | $20,815,000 | 751 |
| Provision for loan and lease losses | $210,000 | 2,870 |
| Total noninterest income | $5,504,000 | 799 |
| Gross Fiduciary activities income | $496,000 | 496 |
| Service charges on deposit accounts | $1,918,000 | 677 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,090,000 | 790 |
| Total noninterest expense | $11,761,000 | 1,069 |
| Salaries and employee benefits | $6,423,000 | 1,066 |
| Premises and equipment expense | $1,426,000 | 1,280 |
| Additional noninterest expense | $3,912,000 | 983 |
| Pre-tax net operating income | $14,348,000 | 554 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $4,831,000 | 535 |
| Income before extraordinary items | $9,516,000 | 590 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,516,000 | 590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 818 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $9,516,660 | 574 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $20,810,000 | 728 |
| Total interest expense | $6,803,000 | 740 |
| Net interest income | $14,007,000 | 729 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $3,571,000 | 802 |
| Gross Fiduciary activities income | $322,000 | 509 |
| Service charges on deposit accounts | $1,206,000 | 697 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,043,000 | 793 |
| Total noninterest expense | $7,806,000 | 1,071 |
| Salaries and employee benefits | $4,250,000 | 1,071 |
| Premises and equipment expense | $961,000 | 1,243 |
| Additional noninterest expense | $2,595,000 | 979 |
| Pre-tax net operating income | $9,682,000 | 545 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $3,264,000 | 527 |
| Income before extraordinary items | $6,417,000 | 576 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,417,000 | 576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 788 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,417,660 | 560 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,246,000 | 729 |
| Total interest expense | $3,209,000 | 748 |
| Net interest income | $7,037,000 | 717 |
| Provision for loan and lease losses | $-130,000 | 8,844 |
| Total noninterest income | $1,720,000 | 812 |
| Gross Fiduciary activities income | $165,000 | 506 |
| Service charges on deposit accounts | $581,000 | 703 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $974,000 | 801 |
| Total noninterest expense | $3,956,000 | 1,052 |
| Salaries and employee benefits | $2,141,000 | 1,058 |
| Premises and equipment expense | $486,000 | 1,242 |
| Additional noninterest expense | $1,329,000 | 938 |
| Pre-tax net operating income | $4,931,000 | 522 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,665,000 | 522 |
| Income before extraordinary items | $3,266,000 | 568 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,266,000 | 568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,071 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,266,000 | 549 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,847,000 | 1,050 |
| Total interest expense | $7,122,000 | 1,139 |
| Net interest income | $19,725,000 | 1,010 |
| Provision for loan and lease losses | $965,000 | 1,071 |
| Total noninterest income | $5,415,000 | 1,015 |
| Gross Fiduciary activities income | $545,000 | 545 |
| Service charges on deposit accounts | $1,824,000 | 963 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,046,000 | 972 |
| Total noninterest expense | $11,932,000 | 1,374 |
| Salaries and employee benefits | $6,792,000 | 1,292 |
| Premises and equipment expense | $1,196,000 | 1,923 |
| Additional noninterest expense | $3,944,000 | 1,258 |
| Pre-tax net operating income | $12,243,000 | 722 |
| Securities gains (losses) | $-206,000 | 8,803 |
| Applicable income taxes | $3,972,000 | 712 |
| Income before extraordinary items | $8,065,000 | 820 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,065,000 | 820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,688 |
| Cash dividends | $8,000,000 | 417 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $8,203,020 | 779 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,254,000 | 2,042 |
| Total interest expense | $3,798,000 | 1,593 |
| Net interest income | $6,456,000 | 2,339 |
| Provision for loan and lease losses | $543,000 | 1,355 |
| Total noninterest income | $1,314,000 | 2,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,314,000 | 1,466 |
| Total noninterest expense | $4,833,000 | 2,460 |
| Salaries and employee benefits | $2,362,000 | 2,706 |
| Premises and equipment expense | $1,336,000 | 1,287 |
| Additional noninterest expense | $1,135,000 | 3,089 |
| Pre-tax net operating income | $2,394,000 | 2,486 |
| Securities gains (losses) | $25,000 | 2,158 |
| Applicable income taxes | $954,000 | 1,855 |
| Income before extraordinary items | $1,465,000 | 3,010 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,465,000 | 3,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,279 |
| Cash dividends | $750,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,449,000 | 2,967 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,825,000 | 2,031 |
| Total interest expense | $2,503,000 | 1,584 |
| Net interest income | $4,322,000 | 2,310 |
| Provision for loan and lease losses | $299,000 | 1,608 |
| Total noninterest income | $872,000 | 2,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $872,000 | 1,462 |
| Total noninterest expense | $3,250,000 | 2,446 |
| Salaries and employee benefits | $1,576,000 | 2,711 |
| Premises and equipment expense | $888,000 | 1,294 |
| Additional noninterest expense | $786,000 | 2,981 |
| Pre-tax net operating income | $1,645,000 | 2,395 |
| Securities gains (losses) | $12,000 | 2,314 |
| Applicable income taxes | $651,000 | 1,805 |
| Income before extraordinary items | $1,006,000 | 2,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,006,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,968 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $998,320 | 2,862 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 2,042 |
| Total interest expense | $1,239,000 | 1,626 |
| Net interest income | $2,189,000 | 2,282 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $483,000 | 2,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $483,000 | 1,324 |
| Total noninterest expense | $1,675,000 | 2,377 |
| Salaries and employee benefits | $796,000 | 2,694 |
| Premises and equipment expense | $447,000 | 1,302 |
| Additional noninterest expense | $432,000 | 2,704 |
| Pre-tax net operating income | $927,000 | 2,143 |
| Securities gains (losses) | $-14,000 | 8,945 |
| Applicable income taxes | $354,000 | 1,711 |
| Income before extraordinary items | $559,000 | 2,679 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $559,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,873 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $567,960 | 2,555 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,428,000 | 2,120 |
| Total interest expense | $5,294,000 | 1,699 |
| Net interest income | $8,134,000 | 2,394 |
| Provision for loan and lease losses | $418,000 | 2,510 |
| Total noninterest income | $1,663,000 | 2,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,663,000 | 1,684 |
| Total noninterest expense | $6,830,000 | 2,302 |
| Salaries and employee benefits | $3,474,000 | 2,421 |
| Premises and equipment expense | $1,826,000 | 1,233 |
| Additional noninterest expense | $1,530,000 | 3,021 |
| Pre-tax net operating income | $2,549,000 | 2,837 |
| Securities gains (losses) | $563,000 | 693 |
| Applicable income taxes | $1,232,000 | 1,907 |
| Income before extraordinary items | $1,880,000 | 3,007 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,880,000 | 3,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,519,680 | 3,370 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,117,000 | 2,138 |
| Total interest expense | $4,026,000 | 1,744 |
| Net interest income | $6,091,000 | 2,409 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $1,147,000 | 2,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,147,000 | 1,867 |
| Total noninterest expense | $5,166,000 | 2,292 |
| Salaries and employee benefits | $2,627,000 | 2,415 |
| Premises and equipment expense | $1,354,000 | 1,255 |
| Additional noninterest expense | $1,185,000 | 2,910 |
| Pre-tax net operating income | $1,877,000 | 2,978 |
| Securities gains (losses) | $560,000 | 632 |
| Applicable income taxes | $960,000 | 1,918 |
| Income before extraordinary items | $1,477,000 | 2,999 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,477,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,873 |
| Cash dividends | $1,750,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,118,600 | 3,523 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,831,000 | 2,127 |
| Total interest expense | $2,711,000 | 1,782 |
| Net interest income | $4,120,000 | 2,351 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $762,000 | 2,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $762,000 | 1,853 |
| Total noninterest expense | $3,504,000 | 2,246 |
| Salaries and employee benefits | $1,832,000 | 2,305 |
| Premises and equipment expense | $903,000 | 1,262 |
| Additional noninterest expense | $769,000 | 2,972 |
| Pre-tax net operating income | $1,198,000 | 3,087 |
| Securities gains (losses) | $355,000 | 720 |
| Applicable income taxes | $615,000 | 2,012 |
| Income before extraordinary items | $938,000 | 3,111 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $938,000 | 3,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $1,500,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $710,800 | 3,628 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 2,138 |
| Total interest expense | $1,388,000 | 1,789 |
| Net interest income | $2,050,000 | 2,369 |
| Provision for loan and lease losses | $-6,000 | 9,169 |
| Total noninterest income | $317,000 | 3,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $317,000 | 2,035 |
| Total noninterest expense | $1,614,000 | 2,407 |
| Salaries and employee benefits | $766,000 | 2,710 |
| Premises and equipment expense | $433,000 | 1,334 |
| Additional noninterest expense | $415,000 | 2,767 |
| Pre-tax net operating income | $759,000 | 2,573 |
| Securities gains (losses) | $107,000 | 960 |
| Applicable income taxes | $339,000 | 1,872 |
| Income before extraordinary items | $527,000 | 2,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 9,138 |
| Cash dividends | $1,250,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $458,520 | 2,979 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,946,000 | 2,059 |
| Total interest expense | $6,642,000 | 1,717 |
| Net interest income | $8,304,000 | 2,334 |
| Provision for loan and lease losses | $368,000 | 3,010 |
| Total noninterest income | $1,344,000 | 2,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,344,000 | 1,797 |
| Total noninterest expense | $6,427,000 | 2,325 |
| Salaries and employee benefits | $3,392,000 | 2,350 |
| Premises and equipment expense | $1,687,000 | 1,301 |
| Additional noninterest expense | $1,348,000 | 3,254 |
| Pre-tax net operating income | $2,853,000 | 2,598 |
| Securities gains (losses) | $-32,000 | 9,041 |
| Applicable income taxes | $1,142,000 | 2,002 |
| Income before extraordinary items | $1,679,000 | 3,215 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,679,000 | 3,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,140 |
| Cash dividends | $2,000,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,699,480 | 3,083 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,913,000 | 1,915 |
| Total interest expense | $9,421,000 | 1,724 |
| Net interest income | $8,492,000 | 2,103 |
| Provision for loan and lease losses | $177,000 | 4,440 |
| Total noninterest income | $1,989,000 | 2,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,989,000 | 1,255 |
| Total noninterest expense | $5,965,000 | 2,390 |
| Salaries and employee benefits | $3,096,000 | 2,428 |
| Premises and equipment expense | $1,715,000 | 1,244 |
| Additional noninterest expense | $1,154,000 | 3,628 |
| Pre-tax net operating income | $4,339,000 | 1,640 |
| Securities gains (losses) | $-15,000 | 9,345 |
| Applicable income taxes | $1,659,000 | 1,371 |
| Income before extraordinary items | $2,665,000 | 1,967 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,665,000 | 1,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,674,600 | 1,883 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,626,000 | 1,999 |
| Total interest expense | $10,588,000 | 1,612 |
| Net interest income | $7,038,000 | 2,529 |
| Provision for loan and lease losses | $85,000 | 5,634 |
| Total noninterest income | $1,302,000 | 2,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,302,000 | 1,558 |
| Total noninterest expense | $5,315,000 | 2,560 |
| Salaries and employee benefits | $2,611,000 | 2,727 |
| Premises and equipment expense | $1,557,000 | 1,316 |
| Additional noninterest expense | $1,147,000 | 3,586 |
| Pre-tax net operating income | $2,940,000 | 2,432 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,177,000 | 1,853 |
| Income before extraordinary items | $1,763,000 | 2,842 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,763,000 | 2,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 9,619 |
| Cash dividends | $800,000 | 2,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,763,000 | 2,840 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,370,000 | 2,122 |
| Total interest expense | $8,510,000 | 1,740 |
| Net interest income | $6,860,000 | 2,556 |
| Provision for loan and lease losses | $57,000 | 6,356 |
| Total noninterest income | $948,000 | 3,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $948,000 | 1,944 |
| Total noninterest expense | $5,365,000 | 2,522 |
| Salaries and employee benefits | $2,667,000 | 2,655 |
| Premises and equipment expense | $1,532,000 | 1,324 |
| Additional noninterest expense | $1,166,000 | 3,526 |
| Pre-tax net operating income | $2,386,000 | 2,901 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $941,000 | 2,312 |
| Income before extraordinary items | $1,444,000 | 3,340 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,444,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,412 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,444,640 | 3,295 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,874,000 | 2,055 |
| Total interest expense | $9,231,000 | 1,667 |
| Net interest income | $6,643,000 | 2,568 |
| Provision for loan and lease losses | $-41,000 | 10,272 |
| Total noninterest income | $729,000 | 3,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $729,000 | 2,319 |
| Total noninterest expense | $5,175,000 | 2,516 |
| Salaries and employee benefits | $2,520,000 | 2,691 |
| Premises and equipment expense | $1,420,000 | 1,374 |
| Additional noninterest expense | $1,235,000 | 3,287 |
| Pre-tax net operating income | $2,238,000 | 3,050 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $891,000 | 2,515 |
| Income before extraordinary items | $1,344,000 | 3,572 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,344,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,345,920 | 3,467 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,402,000 | 2,125 |
| Total interest expense | $8,436,000 | 1,837 |
| Net interest income | $6,966,000 | 2,489 |
| Provision for loan and lease losses | $303,000 | 2,554 |
| Total noninterest income | $954,000 | 3,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $954,000 | 1,794 |
| Total noninterest expense | $4,608,000 | 2,762 |
| Salaries and employee benefits | $2,344,000 | 2,821 |
| Premises and equipment expense | $1,165,000 | 1,674 |
| Additional noninterest expense | $1,099,000 | 3,599 |
| Pre-tax net operating income | $3,009,000 | 2,490 |
| Securities gains (losses) | $31,000 | 1,616 |
| Applicable income taxes | $1,112,000 | 2,224 |
| Income before extraordinary items | $1,928,000 | 2,668 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,928,000 | 2,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,026 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,908,160 | 2,646 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,086,000 | 2,368 |
| Total interest expense | $7,218,000 | 2,163 |
| Net interest income | $6,868,000 | 2,569 |
| Provision for loan and lease losses | $234,000 | 3,091 |
| Total noninterest income | $834,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $834,000 | 2,046 |
| Total noninterest expense | $5,110,000 | 2,670 |
| Salaries and employee benefits | $2,240,000 | 2,978 |
| Premises and equipment expense | $917,000 | 2,172 |
| Additional noninterest expense | $1,953,000 | 2,513 |
| Pre-tax net operating income | $2,358,000 | 2,959 |
| Securities gains (losses) | $23,000 | 1,905 |
| Applicable income taxes | $904,000 | 2,569 |
| Income before extraordinary items | $1,477,000 | 3,230 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,477,000 | 3,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,462,280 | 3,234 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,915,000 | 2,583 |
| Total interest expense | $6,812,000 | 2,289 |
| Net interest income | $6,103,000 | 2,911 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $817,000 | 3,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $817,000 | 2,069 |
| Total noninterest expense | $4,071,000 | 3,268 |
| Salaries and employee benefits | $2,153,000 | 3,090 |
| Premises and equipment expense | $792,000 | 2,500 |
| Additional noninterest expense | $1,126,000 | 3,955 |
| Pre-tax net operating income | $2,838,000 | 2,542 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $1,049,000 | 2,274 |
| Income before extraordinary items | $1,797,000 | 2,747 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,797,000 | 2,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-422,000 | 11,921 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,791,880 | 2,723 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,534,000 | 2,884 |
| Total interest expense | $4,862,000 | 2,527 |
| Net interest income | $5,672,000 | 3,162 |
| Provision for loan and lease losses | $148,000 | 3,653 |
| Total noninterest income | $623,000 | 4,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $623,000 | 2,517 |
| Total noninterest expense | $3,968,000 | 3,452 |
| Salaries and employee benefits | $2,005,000 | 3,275 |
| Premises and equipment expense | $804,000 | 2,516 |
| Additional noninterest expense | $1,159,000 | 4,179 |
| Pre-tax net operating income | $2,179,000 | 3,206 |
| Securities gains (losses) | $46,000 | 1,207 |
| Applicable income taxes | $706,000 | 3,070 |
| Income before extraordinary items | $1,519,000 | 3,141 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,519,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $1,750,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,487,720 | 3,225 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,598,000 | 2,927 |
| Total interest expense | $4,978,000 | 2,581 |
| Net interest income | $5,620,000 | 3,216 |
| Provision for loan and lease losses | $377,000 | 2,553 |
| Total noninterest income | $766,000 | 4,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $766,000 | 2,455 |
| Total noninterest expense | $3,933,000 | 3,546 |
| Salaries and employee benefits | $1,913,000 | 3,408 |
| Premises and equipment expense | $810,000 | 2,530 |
| Additional noninterest expense | $1,210,000 | 4,164 |
| Pre-tax net operating income | $2,076,000 | 3,192 |
| Securities gains (losses) | $90,000 | 2,648 |
| Applicable income taxes | $794,000 | 2,774 |
| Income before extraordinary items | $1,372,000 | 3,519 |
| Extraordinary gains, net | $-360,000 | 13,129 |
| Net income | $1,012,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 2,251 |
| Cash dividends | $370,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,314,400 | 3,480 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,174,000 | 2,879 |
| Total interest expense | $6,349,000 | 2,652 |
| Net interest income | $5,825,000 | 3,152 |
| Provision for loan and lease losses | $-230,000 | 13,830 |
| Total noninterest income | $709,000 | 4,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $709,000 | 2,520 |
| Total noninterest expense | $5,090,000 | 2,815 |
| Salaries and employee benefits | $1,790,000 | 3,579 |
| Premises and equipment expense | $805,000 | 2,580 |
| Additional noninterest expense | $2,495,000 | 2,325 |
| Pre-tax net operating income | $1,674,000 | 3,670 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $257,000 | 6,552 |
| Income before extraordinary items | $1,421,000 | 3,232 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,421,000 | 3,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 2,160 |
| Cash dividends | $52,000 | 7,625 |
| Sale, conversion, retirement of capital stock, net | $3,620,000 | 212 |
| Net operating income | $1,417,600 | 3,009 |
* 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.