Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $342,000 | 7,985 |
| Total interest expense | $79,000 | 8,205 |
| Net interest income | $263,000 | 7,688 |
| Provision for loan and lease losses | $5,000 | 5,755 |
| Total noninterest income | $36,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $226,000 | 7,794 |
| Salaries and employee benefits | $129,000 | 7,754 |
| Premises and equipment expense | $19,000 | 7,975 |
| Additional noninterest expense | $78,000 | 7,453 |
| Pre-tax net operating income | $68,000 | 6,383 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $68,000 | 6,299 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $68,000 | 6,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $68,000 | 6,207 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 7,975 |
| Total interest expense | $295,000 | 8,213 |
| Net interest income | $1,068,000 | 7,666 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $176,000 | 6,921 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $108,000 | 5,924 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $68,000 | 6,745 |
| Total noninterest expense | $894,000 | 7,801 |
| Salaries and employee benefits | $490,000 | 7,832 |
| Premises and equipment expense | $85,000 | 7,909 |
| Additional noninterest expense | $319,000 | 7,453 |
| Pre-tax net operating income | $320,000 | 6,534 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $320,000 | 6,350 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $320,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $320,000 | 4,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $320,000 | 6,337 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,008,000 | 8,045 |
| Total interest expense | $215,000 | 8,270 |
| Net interest income | $793,000 | 7,718 |
| Provision for loan and lease losses | $23,000 | 5,748 |
| Total noninterest income | $122,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $81,000 | 5,959 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $41,000 | 7,030 |
| Total noninterest expense | $686,000 | 7,756 |
| Salaries and employee benefits | $371,000 | 7,797 |
| Premises and equipment expense | $61,000 | 7,935 |
| Additional noninterest expense | $254,000 | 7,344 |
| Pre-tax net operating income | $206,000 | 6,941 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $206,000 | 6,780 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $206,000 | 6,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $57,000 | 4,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $206,000 | 6,766 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $660,000 | 8,120 |
| Total interest expense | $138,000 | 8,342 |
| Net interest income | $522,000 | 7,793 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $82,000 | 7,099 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $55,000 | 5,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $27,000 | 7,090 |
| Total noninterest expense | $462,000 | 7,790 |
| Salaries and employee benefits | $249,000 | 7,838 |
| Premises and equipment expense | $40,000 | 7,995 |
| Additional noninterest expense | $173,000 | 7,328 |
| Pre-tax net operating income | $127,000 | 7,106 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $127,000 | 6,923 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $127,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $57,000 | 4,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $127,000 | 6,905 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $323,000 | 8,202 |
| Total interest expense | $66,000 | 8,392 |
| Net interest income | $257,000 | 7,868 |
| Provision for loan and lease losses | $8,000 | 5,190 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $15,000 | 6,985 |
| Total noninterest expense | $230,000 | 7,829 |
| Salaries and employee benefits | $125,000 | 7,886 |
| Premises and equipment expense | $20,000 | 8,023 |
| Additional noninterest expense | $85,000 | 7,376 |
| Pre-tax net operating income | $61,000 | 7,150 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $61,000 | 7,000 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $61,000 | 6,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $61,000 | 6,986 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 8,099 |
| Total interest expense | $236,000 | 8,371 |
| Net interest income | $1,020,000 | 7,818 |
| Provision for loan and lease losses | $47,000 | 5,681 |
| Total noninterest income | $169,000 | 7,162 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $123,000 | 5,855 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 7,334 |
| Total noninterest expense | $922,000 | 7,832 |
| Salaries and employee benefits | $481,000 | 7,920 |
| Premises and equipment expense | $90,000 | 7,919 |
| Additional noninterest expense | $351,000 | 7,309 |
| Pre-tax net operating income | $220,000 | 7,340 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $220,000 | 7,190 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $220,000 | 7,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,598 |
| Cash dividends | $330,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $220,000 | 7,186 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $933,000 | 8,178 |
| Total interest expense | $174,000 | 8,435 |
| Net interest income | $759,000 | 7,911 |
| Provision for loan and lease losses | $40,000 | 5,377 |
| Total noninterest income | $128,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $94,000 | 5,887 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 7,391 |
| Total noninterest expense | $693,000 | 7,829 |
| Salaries and employee benefits | $364,000 | 7,905 |
| Premises and equipment expense | $65,000 | 7,986 |
| Additional noninterest expense | $264,000 | 7,313 |
| Pre-tax net operating income | $154,000 | 7,605 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $154,000 | 7,455 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $154,000 | 7,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $196,000 | 4,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $154,000 | 7,458 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $600,000 | 8,248 |
| Total interest expense | $113,000 | 8,477 |
| Net interest income | $487,000 | 7,992 |
| Provision for loan and lease losses | $37,000 | 4,826 |
| Total noninterest income | $85,000 | 7,248 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $60,000 | 5,971 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,325 |
| Total noninterest expense | $470,000 | 7,827 |
| Salaries and employee benefits | $243,000 | 7,942 |
| Premises and equipment expense | $42,000 | 8,021 |
| Additional noninterest expense | $185,000 | 7,235 |
| Pre-tax net operating income | $65,000 | 7,879 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $65,000 | 7,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $65,000 | 7,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $178,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $65,000 | 7,801 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $289,000 | 8,290 |
| Total interest expense | $49,000 | 8,534 |
| Net interest income | $240,000 | 8,042 |
| Provision for loan and lease losses | $32,000 | 3,778 |
| Total noninterest income | $38,000 | 7,377 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 5,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $225,000 | 7,913 |
| Salaries and employee benefits | $122,000 | 7,958 |
| Premises and equipment expense | $20,000 | 8,084 |
| Additional noninterest expense | $83,000 | 7,448 |
| Pre-tax net operating income | $21,000 | 8,019 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $21,000 | 7,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 7,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $158,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $21,000 | 7,964 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 8,216 |
| Total interest expense | $157,000 | 8,525 |
| Net interest income | $997,000 | 7,942 |
| Provision for loan and lease losses | $41,000 | 5,955 |
| Total noninterest income | $157,000 | 7,426 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $121,000 | 5,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,717 |
| Total noninterest expense | $850,000 | 7,996 |
| Salaries and employee benefits | $456,000 | 8,030 |
| Premises and equipment expense | $74,000 | 8,187 |
| Additional noninterest expense | $320,000 | 7,524 |
| Pre-tax net operating income | $263,000 | 7,515 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $263,000 | 7,334 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $263,000 | 7,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,928 |
| Cash dividends | $86,000 | 5,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $263,000 | 7,313 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 8,248 |
| Total interest expense | $113,000 | 8,569 |
| Net interest income | $758,000 | 7,969 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $116,000 | 7,477 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 6,054 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,758 |
| Total noninterest expense | $631,000 | 8,007 |
| Salaries and employee benefits | $341,000 | 8,022 |
| Premises and equipment expense | $51,000 | 8,253 |
| Additional noninterest expense | $239,000 | 7,528 |
| Pre-tax net operating income | $216,000 | 7,569 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $216,000 | 7,356 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $216,000 | 7,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,700 |
| Cash dividends | $60,000 | 4,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $216,000 | 7,330 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $567,000 | 8,280 |
| Total interest expense | $72,000 | 8,584 |
| Net interest income | $495,000 | 8,013 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $80,000 | 7,406 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $58,000 | 6,068 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $22,000 | 7,544 |
| Total noninterest expense | $410,000 | 8,046 |
| Salaries and employee benefits | $226,000 | 8,047 |
| Premises and equipment expense | $32,000 | 8,308 |
| Additional noninterest expense | $152,000 | 7,591 |
| Pre-tax net operating income | $150,000 | 7,544 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $150,000 | 7,353 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $150,000 | 7,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $150,000 | 7,307 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $274,000 | 8,373 |
| Total interest expense | $35,000 | 8,654 |
| Net interest income | $239,000 | 8,141 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $34,000 | 7,645 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $24,000 | 6,339 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $207,000 | 8,113 |
| Salaries and employee benefits | $111,000 | 8,141 |
| Premises and equipment expense | $17,000 | 8,338 |
| Additional noninterest expense | $79,000 | 7,588 |
| Pre-tax net operating income | $59,000 | 7,779 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $59,000 | 7,606 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $59,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $59,000 | 7,579 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 8,366 |
| Total interest expense | $127,000 | 8,670 |
| Net interest income | $909,000 | 8,163 |
| Provision for loan and lease losses | $34,000 | 6,353 |
| Total noninterest income | $156,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $114,000 | 6,273 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,616 |
| Total noninterest expense | $811,000 | 8,139 |
| Salaries and employee benefits | $457,000 | 8,117 |
| Premises and equipment expense | $63,000 | 8,443 |
| Additional noninterest expense | $291,000 | 7,752 |
| Pre-tax net operating income | $220,000 | 7,713 |
| Securities gains (losses) | $47,000 | 1,791 |
| Applicable income taxes | $77,000 | 5,752 |
| Income before extraordinary items | $190,000 | 7,697 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $190,000 | 7,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,623 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 8,870 |
| Net operating income | $156,630 | 7,808 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $772,000 | 8,421 |
| Total interest expense | $96,000 | 8,727 |
| Net interest income | $676,000 | 8,209 |
| Provision for loan and lease losses | $26,000 | 6,144 |
| Total noninterest income | $116,000 | 7,607 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $84,000 | 6,332 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 7,635 |
| Total noninterest expense | $611,000 | 8,124 |
| Salaries and employee benefits | $342,000 | 8,101 |
| Premises and equipment expense | $49,000 | 8,418 |
| Additional noninterest expense | $220,000 | 7,744 |
| Pre-tax net operating income | $155,000 | 7,893 |
| Securities gains (losses) | $47,000 | 1,709 |
| Applicable income taxes | $62,000 | 5,802 |
| Income before extraordinary items | $140,000 | 7,843 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $140,000 | 7,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,844 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $107,570 | 7,977 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $510,000 | 8,477 |
| Total interest expense | $64,000 | 8,789 |
| Net interest income | $446,000 | 8,275 |
| Provision for loan and lease losses | $19,000 | 5,937 |
| Total noninterest income | $73,000 | 7,730 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,686 |
| Total noninterest expense | $407,000 | 8,174 |
| Salaries and employee benefits | $222,000 | 8,198 |
| Premises and equipment expense | $32,000 | 8,470 |
| Additional noninterest expense | $153,000 | 7,687 |
| Pre-tax net operating income | $93,000 | 7,974 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $33,000 | 5,966 |
| Income before extraordinary items | $71,000 | 8,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $71,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $63,520 | 8,072 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $265,000 | 8,493 |
| Total interest expense | $34,000 | 8,816 |
| Net interest income | $231,000 | 8,266 |
| Provision for loan and lease losses | $11,000 | 5,558 |
| Total noninterest income | $38,000 | 7,671 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $209,000 | 8,180 |
| Salaries and employee benefits | $116,000 | 8,166 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $77,000 | 7,712 |
| Pre-tax net operating income | $49,000 | 7,934 |
| Securities gains (losses) | $11,000 | 2,005 |
| Applicable income taxes | $19,000 | 5,825 |
| Income before extraordinary items | $41,000 | 7,951 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $41,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $33,520 | 8,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,105,000 | 8,493 |
| Total interest expense | $176,000 | 8,799 |
| Net interest income | $929,000 | 8,219 |
| Provision for loan and lease losses | $74,000 | 5,763 |
| Total noninterest income | $176,000 | 7,560 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $129,000 | 6,157 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $47,000 | 7,633 |
| Total noninterest expense | $812,000 | 8,251 |
| Salaries and employee benefits | $459,000 | 8,218 |
| Premises and equipment expense | $66,000 | 8,544 |
| Additional noninterest expense | $287,000 | 7,854 |
| Pre-tax net operating income | $219,000 | 7,760 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $42,000 | 6,399 |
| Income before extraordinary items | $201,000 | 7,762 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $201,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,589 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $181,080 | 7,726 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $830,000 | 8,582 |
| Total interest expense | $140,000 | 8,880 |
| Net interest income | $690,000 | 8,304 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $135,000 | 7,572 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $96,000 | 6,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,544 |
| Total noninterest expense | $580,000 | 8,332 |
| Salaries and employee benefits | $316,000 | 8,347 |
| Premises and equipment expense | $49,000 | 8,587 |
| Additional noninterest expense | $215,000 | 7,862 |
| Pre-tax net operating income | $205,000 | 7,701 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $70,000 | 5,931 |
| Income before extraordinary items | $139,000 | 7,980 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $139,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,484 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $136,320 | 7,861 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $562,000 | 8,614 |
| Total interest expense | $96,000 | 8,926 |
| Net interest income | $466,000 | 8,314 |
| Provision for loan and lease losses | $27,000 | 6,031 |
| Total noninterest income | $96,000 | 7,467 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $65,000 | 6,162 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $388,000 | 8,352 |
| Salaries and employee benefits | $206,000 | 8,418 |
| Premises and equipment expense | $30,000 | 8,671 |
| Additional noninterest expense | $152,000 | 7,741 |
| Pre-tax net operating income | $147,000 | 7,625 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $51,000 | 5,889 |
| Income before extraordinary items | $99,000 | 7,967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $99,000 | 7,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $97,020 | 7,819 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $288,000 | 8,651 |
| Total interest expense | $50,000 | 8,969 |
| Net interest income | $238,000 | 8,320 |
| Provision for loan and lease losses | $14,000 | 5,838 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $198,000 | 8,363 |
| Salaries and employee benefits | $110,000 | 8,356 |
| Premises and equipment expense | $14,000 | 8,741 |
| Additional noninterest expense | $74,000 | 7,829 |
| Pre-tax net operating income | $69,000 | 7,685 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $25,000 | 5,890 |
| Income before extraordinary items | $44,000 | 8,014 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $44,000 | 8,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $44,000 | 7,863 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 8,633 |
| Total interest expense | $264,000 | 8,954 |
| Net interest income | $981,000 | 8,291 |
| Provision for loan and lease losses | $51,000 | 6,669 |
| Total noninterest income | $169,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $134,000 | 6,059 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $35,000 | 8,031 |
| Total noninterest expense | $758,000 | 8,428 |
| Salaries and employee benefits | $415,000 | 8,462 |
| Premises and equipment expense | $63,000 | 8,706 |
| Additional noninterest expense | $280,000 | 7,947 |
| Pre-tax net operating income | $341,000 | 7,394 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $117,000 | 5,812 |
| Income before extraordinary items | $224,000 | 7,706 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $224,000 | 7,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,848 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $224,000 | 7,616 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 8,869 |
| Total interest expense | $473,000 | 9,061 |
| Net interest income | $874,000 | 8,534 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $181,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $154,000 | 5,751 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $27,000 | 8,456 |
| Total noninterest expense | $707,000 | 8,669 |
| Salaries and employee benefits | $389,000 | 8,673 |
| Premises and equipment expense | $49,000 | 9,145 |
| Additional noninterest expense | $269,000 | 8,080 |
| Pre-tax net operating income | $312,000 | 7,357 |
| Securities gains (losses) | $19,000 | 3,188 |
| Applicable income taxes | $117,000 | 5,804 |
| Income before extraordinary items | $214,000 | 7,631 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $214,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,333 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $201,650 | 7,601 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 9,127 |
| Total interest expense | $478,000 | 9,290 |
| Net interest income | $840,000 | 8,816 |
| Provision for loan and lease losses | $83,000 | 5,704 |
| Total noninterest income | $174,000 | 7,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $666,000 | 8,915 |
| Salaries and employee benefits | $360,000 | 8,946 |
| Premises and equipment expense | $63,000 | 9,117 |
| Additional noninterest expense | $243,000 | 8,398 |
| Pre-tax net operating income | $265,000 | 8,048 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $90,000 | 6,649 |
| Income before extraordinary items | $175,000 | 8,238 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $175,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,010 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $175,000 | 8,244 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,303,000 | 9,305 |
| Total interest expense | $456,000 | 9,533 |
| Net interest income | $847,000 | 8,964 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $163,000 | 7,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 5,962 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $670,000 | 9,114 |
| Salaries and employee benefits | $355,000 | 9,157 |
| Premises and equipment expense | $58,000 | 9,477 |
| Additional noninterest expense | $257,000 | 8,492 |
| Pre-tax net operating income | $300,000 | 8,090 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $99,000 | 6,931 |
| Income before extraordinary items | $200,000 | 8,311 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $200,000 | 8,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $200,670 | 8,273 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 9,590 |
| Total interest expense | $453,000 | 9,797 |
| Net interest income | $802,000 | 9,244 |
| Provision for loan and lease losses | $38,000 | 7,037 |
| Total noninterest income | $156,000 | 8,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,678 |
| Total noninterest expense | $597,000 | 9,439 |
| Salaries and employee benefits | $317,000 | 9,517 |
| Premises and equipment expense | $57,000 | 9,657 |
| Additional noninterest expense | $223,000 | 8,869 |
| Pre-tax net operating income | $323,000 | 8,268 |
| Securities gains (losses) | $-8,000 | 10,162 |
| Applicable income taxes | $82,000 | 7,796 |
| Income before extraordinary items | $233,000 | 8,365 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $233,000 | 8,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $-303,000 | 10,375 |
| Net operating income | $238,920 | 8,251 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 10,187 |
| Total interest expense | $421,000 | 10,295 |
| Net interest income | $687,000 | 9,977 |
| Provision for loan and lease losses | $16,000 | 8,073 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $579,000 | 9,830 |
| Salaries and employee benefits | $260,000 | 10,211 |
| Premises and equipment expense | $39,000 | 10,459 |
| Additional noninterest expense | $280,000 | 8,527 |
| Pre-tax net operating income | $266,000 | 9,204 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $96,000 | 8,464 |
| Income before extraordinary items | $170,000 | 9,404 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $170,000 | 9,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $170,000 | 9,359 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $906,000 | 10,927 |
| Total interest expense | $415,000 | 10,834 |
| Net interest income | $491,000 | 10,909 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $115,000 | 9,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 7,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $451,000 | 10,791 |
| Salaries and employee benefits | $230,000 | 10,834 |
| Premises and equipment expense | $35,000 | 11,039 |
| Additional noninterest expense | $186,000 | 10,103 |
| Pre-tax net operating income | $155,000 | 10,049 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $157,000 | 9,719 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $157,000 | 9,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $155,000 | 9,672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 11,473 |
| Total interest expense | $375,000 | 11,397 |
| Net interest income | $476,000 | 11,454 |
| Provision for loan and lease losses | $7,000 | 8,542 |
| Total noninterest income | $88,000 | 10,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $428,000 | 11,338 |
| Salaries and employee benefits | $214,000 | 11,408 |
| Premises and equipment expense | $34,000 | 11,525 |
| Additional noninterest expense | $180,000 | 10,685 |
| Pre-tax net operating income | $129,000 | 10,911 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $130,000 | 10,665 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $130,000 | 10,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $129,000 | 10,641 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $809,000 | 12,053 |
| Total interest expense | $301,000 | 12,033 |
| Net interest income | $508,000 | 11,978 |
| Provision for loan and lease losses | $132,000 | 3,859 |
| Total noninterest income | $102,000 | 10,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $412,000 | 11,986 |
| Salaries and employee benefits | $176,000 | 12,216 |
| Premises and equipment expense | $33,000 | 12,157 |
| Additional noninterest expense | $203,000 | 11,122 |
| Pre-tax net operating income | $66,000 | 11,823 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $68,000 | 11,671 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $68,000 | 11,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,355 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $66,000 | 11,730 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $837,000 | 12,599 |
| Total interest expense | $316,000 | 12,604 |
| Net interest income | $521,000 | 12,495 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $96,000 | 11,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,957 |
| Total noninterest expense | $421,000 | 12,544 |
| Salaries and employee benefits | $174,000 | 12,833 |
| Premises and equipment expense | $33,000 | 12,758 |
| Additional noninterest expense | $214,000 | 11,548 |
| Pre-tax net operating income | $176,000 | 11,254 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $186,000 | 10,805 |
| Extraordinary gains, net | $68,000 | 1,931 |
| Net income | $254,000 | 10,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $176,000 | 10,709 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 13,132 |
| Total interest expense | $470,000 | 12,880 |
| Net interest income | $465,000 | 13,191 |
| Provision for loan and lease losses | $69,000 | 8,296 |
| Total noninterest income | $127,000 | 11,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 9,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $396,000 | 13,185 |
| Salaries and employee benefits | $165,000 | 13,445 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $200,000 | 12,237 |
| Pre-tax net operating income | $127,000 | 11,742 |
| Securities gains (losses) | $14,000 | 6,053 |
| Applicable income taxes | $51,000 | 11,224 |
| Income before extraordinary items | $90,000 | 12,074 |
| Extraordinary gains, net | $48,000 | 1,004 |
| Net income | $138,000 | 11,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 8,022 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $81,040 | 11,906 |
* 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.