Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $702,000 | 8,492 |
| Total interest expense | $339,000 | 7,515 |
| Net interest income | $363,000 | 8,713 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $175,000 | 6,932 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $176,000 | 4,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-1,000 | 8,971 |
| Total noninterest expense | $814,000 | 7,620 |
| Salaries and employee benefits | $323,000 | 8,184 |
| Premises and equipment expense | $103,000 | 7,472 |
| Additional noninterest expense | $388,000 | 6,404 |
| Pre-tax net operating income | $-276,000 | 8,685 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-94,000 | 8,851 |
| Income before extraordinary items | $-182,000 | 8,666 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-182,000 | 8,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,215 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-182,000 | 8,637 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,021,000 | 5,517 |
| Total interest expense | $732,000 | 4,547 |
| Net interest income | $1,289,000 | 5,897 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $388,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $361,000 | 2,330 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,377 |
| Total noninterest expense | $1,672,000 | 4,320 |
| Salaries and employee benefits | $828,000 | 4,592 |
| Premises and equipment expense | $251,000 | 4,062 |
| Additional noninterest expense | $593,000 | 3,783 |
| Pre-tax net operating income | $5,000 | 8,492 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $5,000 | 8,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 1,611 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,000 | 8,489 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 5,347 |
| Total interest expense | $374,000 | 4,513 |
| Net interest income | $701,000 | 5,627 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $217,000 | 3,867 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $178,000 | 2,302 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $39,000 | 5,616 |
| Total noninterest expense | $876,000 | 4,173 |
| Salaries and employee benefits | $438,000 | 4,435 |
| Premises and equipment expense | $129,000 | 4,010 |
| Additional noninterest expense | $309,000 | 3,663 |
| Pre-tax net operating income | $42,000 | 8,025 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $30,000 | 8,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $30,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 1,081 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $30,000 | 8,087 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,643,000 | 5,144 |
| Total interest expense | $1,874,000 | 4,223 |
| Net interest income | $2,769,000 | 5,565 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $904,000 | 3,937 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $717,000 | 2,315 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $187,000 | 5,428 |
| Total noninterest expense | $3,562,000 | 4,048 |
| Salaries and employee benefits | $1,789,000 | 4,286 |
| Premises and equipment expense | $522,000 | 3,938 |
| Additional noninterest expense | $1,251,000 | 3,612 |
| Pre-tax net operating income | $-129,000 | 8,655 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $-47,000 | 8,865 |
| Income before extraordinary items | $-80,000 | 8,707 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-80,000 | 8,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 1,146 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-81,280 | 8,637 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,551,000 | 5,144 |
| Total interest expense | $1,466,000 | 4,216 |
| Net interest income | $2,085,000 | 5,587 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $698,000 | 3,950 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $539,000 | 2,325 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,224 |
| Total noninterest expense | $2,673,000 | 4,026 |
| Salaries and employee benefits | $1,352,000 | 4,249 |
| Premises and equipment expense | $382,000 | 3,994 |
| Additional noninterest expense | $939,000 | 3,586 |
| Pre-tax net operating income | $-130,000 | 8,777 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-48,000 | 9,015 |
| Income before extraordinary items | $-82,000 | 8,824 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-82,000 | 8,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $651,000 | 956 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-82,000 | 8,752 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,416,000 | 5,103 |
| Total interest expense | $1,012,000 | 4,213 |
| Net interest income | $1,404,000 | 5,542 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $476,000 | 3,849 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $353,000 | 2,325 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $123,000 | 4,953 |
| Total noninterest expense | $1,800,000 | 4,002 |
| Salaries and employee benefits | $911,000 | 4,219 |
| Premises and equipment expense | $251,000 | 4,030 |
| Additional noninterest expense | $638,000 | 3,519 |
| Pre-tax net operating income | $-160,000 | 8,892 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-57,000 | 9,088 |
| Income before extraordinary items | $-103,000 | 8,918 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-103,000 | 8,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,105 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-103,000 | 8,834 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 4,936 |
| Total interest expense | $507,000 | 4,300 |
| Net interest income | $771,000 | 5,230 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $224,000 | 3,890 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $167,000 | 2,371 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $887,000 | 4,039 |
| Salaries and employee benefits | $457,000 | 4,194 |
| Premises and equipment expense | $128,000 | 3,967 |
| Additional noninterest expense | $302,000 | 3,641 |
| Pre-tax net operating income | $-42,000 | 8,868 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-15,000 | 9,098 |
| Income before extraordinary items | $-27,000 | 8,902 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-27,000 | 8,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,572 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-27,000 | 8,805 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,927,000 | 4,605 |
| Total interest expense | $2,702,000 | 3,863 |
| Net interest income | $3,225,000 | 5,045 |
| Provision for loan and lease losses | $2,324,000 | 659 |
| Total noninterest income | $729,000 | 4,222 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $646,000 | 2,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,810 |
| Total noninterest expense | $3,380,000 | 4,079 |
| Salaries and employee benefits | $1,581,000 | 4,490 |
| Premises and equipment expense | $506,000 | 3,907 |
| Additional noninterest expense | $1,293,000 | 3,392 |
| Pre-tax net operating income | $-1,750,000 | 9,229 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $-592,000 | 9,261 |
| Income before extraordinary items | $-1,130,000 | 9,203 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,130,000 | 9,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,214,000 | 812 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,148,480 | 9,172 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,993,000 | 3,650 |
| Total interest expense | $4,789,000 | 3,271 |
| Net interest income | $4,204,000 | 3,974 |
| Provision for loan and lease losses | $2,136,000 | 670 |
| Total noninterest income | $1,008,000 | 3,320 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $532,000 | 2,691 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $476,000 | 3,217 |
| Total noninterest expense | $3,636,000 | 3,712 |
| Salaries and employee benefits | $1,793,000 | 3,934 |
| Premises and equipment expense | $493,000 | 3,920 |
| Additional noninterest expense | $1,350,000 | 3,152 |
| Pre-tax net operating income | $-560,000 | 9,193 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-180,000 | 9,359 |
| Income before extraordinary items | $-380,000 | 9,174 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-380,000 | 9,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,765,000 | 623 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-380,000 | 9,128 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,659,000 | 3,501 |
| Total interest expense | $5,104,000 | 3,261 |
| Net interest income | $4,555,000 | 3,753 |
| Provision for loan and lease losses | $317,000 | 2,724 |
| Total noninterest income | $829,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $506,000 | 2,664 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $323,000 | 3,761 |
| Total noninterest expense | $3,394,000 | 3,821 |
| Salaries and employee benefits | $1,636,000 | 4,073 |
| Premises and equipment expense | $460,000 | 4,055 |
| Additional noninterest expense | $1,298,000 | 3,179 |
| Pre-tax net operating income | $1,673,000 | 3,767 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $553,000 | 3,276 |
| Income before extraordinary items | $1,120,000 | 4,049 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,120,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,659 |
| Cash dividends | $950,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,120,000 | 4,042 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,051,000 | 5,538 |
| Total interest expense | $2,426,000 | 5,291 |
| Net interest income | $2,625,000 | 5,637 |
| Provision for loan and lease losses | $194,000 | 3,629 |
| Total noninterest income | $459,000 | 5,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 3,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,673 |
| Total noninterest expense | $1,705,000 | 6,289 |
| Salaries and employee benefits | $796,000 | 6,770 |
| Premises and equipment expense | $280,000 | 5,681 |
| Additional noninterest expense | $629,000 | 5,655 |
| Pre-tax net operating income | $1,185,000 | 4,798 |
| Securities gains (losses) | $21,000 | 1,369 |
| Applicable income taxes | $404,000 | 4,134 |
| Income before extraordinary items | $802,000 | 5,090 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $802,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,685 |
| Cash dividends | $650,000 | 3,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $787,930 | 5,105 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,911,000 | 5,752 |
| Total interest expense | $2,398,000 | 5,520 |
| Net interest income | $2,513,000 | 5,842 |
| Provision for loan and lease losses | $182,000 | 3,709 |
| Total noninterest income | $463,000 | 5,156 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,168 |
| Total noninterest expense | $1,525,000 | 6,615 |
| Salaries and employee benefits | $717,000 | 7,093 |
| Premises and equipment expense | $241,000 | 6,084 |
| Additional noninterest expense | $567,000 | 5,968 |
| Pre-tax net operating income | $1,269,000 | 4,708 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $416,000 | 4,319 |
| Income before extraordinary items | $853,000 | 4,989 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $853,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,683 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $853,000 | 4,905 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,911,000 | 6,743 |
| Total interest expense | $1,802,000 | 6,681 |
| Net interest income | $2,109,000 | 6,699 |
| Provision for loan and lease losses | $72,000 | 5,860 |
| Total noninterest income | $389,000 | 5,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,233 |
| Total noninterest expense | $1,377,000 | 7,101 |
| Salaries and employee benefits | $692,000 | 7,364 |
| Premises and equipment expense | $197,000 | 6,903 |
| Additional noninterest expense | $488,000 | 6,606 |
| Pre-tax net operating income | $1,049,000 | 5,685 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $349,000 | 5,318 |
| Income before extraordinary items | $700,000 | 5,908 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $700,000 | 5,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $700,000 | 5,863 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,194,000 | 7,736 |
| Total interest expense | $1,482,000 | 7,623 |
| Net interest income | $1,712,000 | 7,744 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $352,000 | 6,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,940 |
| Total noninterest expense | $1,238,000 | 7,872 |
| Salaries and employee benefits | $615,000 | 8,037 |
| Premises and equipment expense | $191,000 | 7,191 |
| Additional noninterest expense | $432,000 | 7,612 |
| Pre-tax net operating income | $741,000 | 6,748 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $254,000 | 6,401 |
| Income before extraordinary items | $486,000 | 6,998 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $486,000 | 7,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $486,660 | 6,934 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,191,000 | 9,429 |
| Total interest expense | $1,007,000 | 9,228 |
| Net interest income | $1,184,000 | 9,377 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $285,000 | 7,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,550 |
| Total noninterest expense | $1,005,000 | 8,934 |
| Salaries and employee benefits | $499,000 | 9,124 |
| Premises and equipment expense | $136,000 | 8,625 |
| Additional noninterest expense | $370,000 | 8,491 |
| Pre-tax net operating income | $412,000 | 8,983 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $-338,000 | 11,844 |
| Income before extraordinary items | $759,000 | 5,659 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $759,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $17,000 | 8,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $750,000 | 5,685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,328,000 | 11,084 |
| Total interest expense | $471,000 | 11,222 |
| Net interest income | $857,000 | 10,856 |
| Provision for loan and lease losses | $66,000 | 5,441 |
| Total noninterest income | $232,000 | 8,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,840 |
| Total noninterest expense | $912,000 | 9,719 |
| Salaries and employee benefits | $433,000 | 9,977 |
| Premises and equipment expense | $140,000 | 8,820 |
| Additional noninterest expense | $339,000 | 9,479 |
| Pre-tax net operating income | $111,000 | 11,550 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $109,000 | 11,302 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $109,000 | 11,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,406 |
| Cash dividends | $116,000 | 6,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $111,000 | 11,312 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 11,761 |
| Total interest expense | $461,000 | 11,882 |
| Net interest income | $804,000 | 11,489 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $231,000 | 8,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $876,000 | 10,313 |
| Salaries and employee benefits | $379,000 | 10,848 |
| Premises and equipment expense | $164,000 | 8,533 |
| Additional noninterest expense | $333,000 | 10,035 |
| Pre-tax net operating income | $141,000 | 11,544 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $141,000 | 11,312 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $141,000 | 11,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,605 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $141,000 | 11,106 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 12,113 |
| Total interest expense | $680,000 | 11,924 |
| Net interest income | $757,000 | 12,088 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $165,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $927,000 | 10,321 |
| Salaries and employee benefits | $359,000 | 11,352 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $402,000 | 9,542 |
| Pre-tax net operating income | $-180,000 | 13,062 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-180,000 | 13,155 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-180,000 | 13,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-180,000 | 13,032 |
* 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.