Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $47,109,000 | 477 |
| Total interest expense | $25,898,000 | 413 |
| Net interest income | $21,211,000 | 549 |
| Provision for loan and lease losses | $177,000 | 2,377 |
| Total noninterest income | $10,048,000 | 400 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $4,624,000 | 210 |
| Trading account gains and fees | $91,000 | 110 |
| Additional Noninterest Income | $5,333,000 | 420 |
| Total noninterest expense | $16,396,000 | 575 |
| Salaries and employee benefits | $7,822,000 | 632 |
| Premises and equipment expense | $4,388,000 | 329 |
| Additional noninterest expense | $4,186,000 | 675 |
| Pre-tax net operating income | $14,686,000 | 412 |
| Securities gains (losses) | $365,000 | 219 |
| Applicable income taxes | $5,707,000 | 352 |
| Income before extraordinary items | $9,344,000 | 450 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $9,344,000 | 449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 532 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $9,110,400 | 442 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $26,239,000 | 433 |
| Total interest expense | $14,540,000 | 370 |
| Net interest income | $11,699,000 | 504 |
| Provision for loan and lease losses | $33,000 | 3,661 |
| Total noninterest income | $4,338,000 | 434 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,185,000 | 210 |
| Trading account gains and fees | $90,000 | 118 |
| Additional Noninterest Income | $2,063,000 | 484 |
| Total noninterest expense | $8,239,000 | 576 |
| Salaries and employee benefits | $3,924,000 | 637 |
| Premises and equipment expense | $2,244,000 | 321 |
| Additional noninterest expense | $2,071,000 | 672 |
| Pre-tax net operating income | $7,765,000 | 393 |
| Securities gains (losses) | $365,000 | 143 |
| Applicable income taxes | $3,088,000 | 333 |
| Income before extraordinary items | $5,042,000 | 414 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,042,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 492 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,808,400 | 422 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $86,356,000 | 483 |
| Total interest expense | $45,305,000 | 399 |
| Net interest income | $41,051,000 | 564 |
| Provision for loan and lease losses | $221,000 | 3,340 |
| Total noninterest income | $18,511,000 | 402 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $8,629,000 | 206 |
| Trading account gains and fees | $506,000 | 82 |
| Additional Noninterest Income | $9,376,000 | 435 |
| Total noninterest expense | $35,126,000 | 524 |
| Salaries and employee benefits | $15,814,000 | 595 |
| Premises and equipment expense | $8,612,000 | 307 |
| Additional noninterest expense | $10,700,000 | 526 |
| Pre-tax net operating income | $24,215,000 | 469 |
| Securities gains (losses) | $125,000 | 487 |
| Applicable income taxes | $9,575,000 | 409 |
| Income before extraordinary items | $14,765,000 | 532 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $14,765,000 | 530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $996,000 | 687 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $14,685,000 | 526 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $61,917,000 | 504 |
| Total interest expense | $31,786,000 | 423 |
| Net interest income | $30,131,000 | 586 |
| Provision for loan and lease losses | $163,000 | 3,263 |
| Total noninterest income | $14,174,000 | 410 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,417,000 | 213 |
| Trading account gains and fees | $436,000 | 79 |
| Additional Noninterest Income | $7,321,000 | 433 |
| Total noninterest expense | $25,995,000 | 540 |
| Salaries and employee benefits | $11,654,000 | 620 |
| Premises and equipment expense | $6,277,000 | 325 |
| Additional noninterest expense | $8,064,000 | 531 |
| Pre-tax net operating income | $18,147,000 | 489 |
| Securities gains (losses) | $126,000 | 398 |
| Applicable income taxes | $6,887,000 | 444 |
| Income before extraordinary items | $11,386,000 | 540 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $11,386,000 | 540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $780,000 | 564 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $11,305,360 | 535 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $39,553,000 | 515 |
| Total interest expense | $19,373,000 | 437 |
| Net interest income | $20,180,000 | 582 |
| Provision for loan and lease losses | $-191,000 | 8,667 |
| Total noninterest income | $8,964,000 | 425 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,222,000 | 213 |
| Trading account gains and fees | $384,000 | 74 |
| Additional Noninterest Income | $4,358,000 | 472 |
| Total noninterest expense | $16,778,000 | 563 |
| Salaries and employee benefits | $7,754,000 | 636 |
| Premises and equipment expense | $4,192,000 | 326 |
| Additional noninterest expense | $4,832,000 | 592 |
| Pre-tax net operating income | $12,557,000 | 482 |
| Securities gains (losses) | $101,000 | 353 |
| Applicable income taxes | $4,773,000 | 434 |
| Income before extraordinary items | $7,885,000 | 522 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,885,000 | 521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $521,000 | 541 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $7,820,360 | 513 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $19,223,000 | 512 |
| Total interest expense | $9,038,000 | 441 |
| Net interest income | $10,185,000 | 571 |
| Provision for loan and lease losses | $-556,000 | 8,750 |
| Total noninterest income | $4,132,000 | 445 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,930,000 | 223 |
| Trading account gains and fees | $-2,000 | 8,757 |
| Additional Noninterest Income | $2,204,000 | 468 |
| Total noninterest expense | $8,413,000 | 555 |
| Salaries and employee benefits | $4,054,000 | 606 |
| Premises and equipment expense | $2,171,000 | 314 |
| Additional noninterest expense | $2,188,000 | 639 |
| Pre-tax net operating income | $6,460,000 | 467 |
| Securities gains (losses) | $101,000 | 250 |
| Applicable income taxes | $2,480,000 | 418 |
| Income before extraordinary items | $4,081,000 | 509 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,081,000 | 508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 494 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,016,360 | 504 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $67,850,000 | 514 |
| Total interest expense | $25,686,000 | 463 |
| Net interest income | $42,164,000 | 527 |
| Provision for loan and lease losses | $1,832,000 | 581 |
| Total noninterest income | $14,105,000 | 501 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $7,759,000 | 227 |
| Trading account gains and fees | $474,000 | 78 |
| Additional Noninterest Income | $5,872,000 | 611 |
| Total noninterest expense | $33,518,000 | 543 |
| Salaries and employee benefits | $16,602,000 | 556 |
| Premises and equipment expense | $8,077,000 | 317 |
| Additional noninterest expense | $8,839,000 | 627 |
| Pre-tax net operating income | $20,919,000 | 517 |
| Securities gains (losses) | $187,000 | 522 |
| Applicable income taxes | $7,969,000 | 454 |
| Income before extraordinary items | $13,137,000 | 572 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,137,000 | 572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,402,000 | 528 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $13,017,320 | 560 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $48,929,000 | 514 |
| Total interest expense | $17,510,000 | 481 |
| Net interest income | $31,419,000 | 522 |
| Provision for loan and lease losses | $1,350,000 | 565 |
| Total noninterest income | $10,124,000 | 513 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,454,000 | 239 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,670,000 | 586 |
| Total noninterest expense | $24,327,000 | 555 |
| Salaries and employee benefits | $12,241,000 | 556 |
| Premises and equipment expense | $5,911,000 | 322 |
| Additional noninterest expense | $6,175,000 | 658 |
| Pre-tax net operating income | $15,866,000 | 516 |
| Securities gains (losses) | $187,000 | 495 |
| Applicable income taxes | $6,033,000 | 456 |
| Income before extraordinary items | $10,020,000 | 565 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,020,000 | 565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $944,000 | 515 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $9,900,320 | 554 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $31,696,000 | 513 |
| Total interest expense | $10,714,000 | 492 |
| Net interest income | $20,982,000 | 516 |
| Provision for loan and lease losses | $900,000 | 570 |
| Total noninterest income | $6,266,000 | 533 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,296,000 | 251 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,970,000 | 600 |
| Total noninterest expense | $16,043,000 | 558 |
| Salaries and employee benefits | $8,102,000 | 563 |
| Premises and equipment expense | $3,893,000 | 325 |
| Additional noninterest expense | $4,048,000 | 661 |
| Pre-tax net operating income | $10,305,000 | 516 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $3,885,000 | 466 |
| Income before extraordinary items | $6,421,000 | 575 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,421,000 | 575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 644 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,420,360 | 559 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $15,494,000 | 514 |
| Total interest expense | $5,020,000 | 492 |
| Net interest income | $10,474,000 | 511 |
| Provision for loan and lease losses | $450,000 | 520 |
| Total noninterest income | $2,916,000 | 543 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,465,000 | 266 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,451,000 | 597 |
| Total noninterest expense | $7,984,000 | 545 |
| Salaries and employee benefits | $3,973,000 | 571 |
| Premises and equipment expense | $1,942,000 | 328 |
| Additional noninterest expense | $2,069,000 | 641 |
| Pre-tax net operating income | $4,956,000 | 517 |
| Securities gains (losses) | $371,000 | 177 |
| Applicable income taxes | $2,010,000 | 459 |
| Income before extraordinary items | $3,317,000 | 559 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,317,000 | 559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 866 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,079,560 | 579 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $56,879,000 | 519 |
| Total interest expense | $16,258,000 | 516 |
| Net interest income | $40,621,000 | 503 |
| Provision for loan and lease losses | $3,521,000 | 334 |
| Total noninterest income | $11,186,000 | 558 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $6,422,000 | 269 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,764,000 | 693 |
| Total noninterest expense | $29,245,000 | 576 |
| Salaries and employee benefits | $15,080,000 | 569 |
| Premises and equipment expense | $6,641,000 | 359 |
| Additional noninterest expense | $7,524,000 | 693 |
| Pre-tax net operating income | $19,041,000 | 510 |
| Securities gains (losses) | $-569,000 | 8,880 |
| Applicable income taxes | $6,922,000 | 473 |
| Income before extraordinary items | $11,550,000 | 589 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $11,550,000 | 590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,056,000 | 741 |
| Cash dividends | $9,000,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $11,914,160 | 555 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $41,578,000 | 520 |
| Total interest expense | $11,632,000 | 523 |
| Net interest income | $29,946,000 | 511 |
| Provision for loan and lease losses | $2,333,000 | 374 |
| Total noninterest income | $8,486,000 | 566 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,806,000 | 273 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,680,000 | 693 |
| Total noninterest expense | $21,572,000 | 591 |
| Salaries and employee benefits | $11,099,000 | 580 |
| Premises and equipment expense | $4,788,000 | 374 |
| Additional noninterest expense | $5,685,000 | 684 |
| Pre-tax net operating income | $14,527,000 | 502 |
| Securities gains (losses) | $-399,000 | 8,964 |
| Applicable income taxes | $5,311,000 | 462 |
| Income before extraordinary items | $8,817,000 | 590 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,817,000 | 591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,179,000 | 509 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $9,072,360 | 553 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $27,145,000 | 519 |
| Total interest expense | $7,492,000 | 536 |
| Net interest income | $19,653,000 | 516 |
| Provision for loan and lease losses | $1,889,000 | 330 |
| Total noninterest income | $5,337,000 | 587 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,127,000 | 272 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,210,000 | 738 |
| Total noninterest expense | $14,128,000 | 600 |
| Salaries and employee benefits | $7,297,000 | 583 |
| Premises and equipment expense | $3,115,000 | 384 |
| Additional noninterest expense | $3,716,000 | 689 |
| Pre-tax net operating income | $8,973,000 | 535 |
| Securities gains (losses) | $-395,000 | 9,032 |
| Applicable income taxes | $3,226,000 | 500 |
| Income before extraordinary items | $5,352,000 | 631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,352,000 | 631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $981,000 | 436 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,604,800 | 575 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,297,000 | 538 |
| Total interest expense | $3,717,000 | 546 |
| Net interest income | $9,580,000 | 531 |
| Provision for loan and lease losses | $444,000 | 582 |
| Total noninterest income | $2,534,000 | 610 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,385,000 | 309 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,149,000 | 718 |
| Total noninterest expense | $6,820,000 | 625 |
| Salaries and employee benefits | $3,544,000 | 612 |
| Premises and equipment expense | $1,501,000 | 404 |
| Additional noninterest expense | $1,775,000 | 712 |
| Pre-tax net operating income | $4,850,000 | 494 |
| Securities gains (losses) | $-371,000 | 9,094 |
| Applicable income taxes | $1,684,000 | 490 |
| Income before extraordinary items | $2,795,000 | 611 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,795,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 702 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,032,440 | 542 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $42,758,000 | 650 |
| Total interest expense | $13,038,000 | 677 |
| Net interest income | $29,720,000 | 633 |
| Provision for loan and lease losses | $1,800,000 | 706 |
| Total noninterest income | $9,213,000 | 699 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $5,117,000 | 332 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,096,000 | 879 |
| Total noninterest expense | $17,091,000 | 955 |
| Salaries and employee benefits | $8,540,000 | 1,002 |
| Premises and equipment expense | $3,429,000 | 669 |
| Additional noninterest expense | $5,122,000 | 994 |
| Pre-tax net operating income | $20,042,000 | 480 |
| Securities gains (losses) | $5,916,000 | 147 |
| Applicable income taxes | $9,818,000 | 373 |
| Income before extraordinary items | $16,140,000 | 449 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,140,000 | 450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $566,000 | 1,459 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,353,760 | 528 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $30,388,000 | 709 |
| Total interest expense | $9,459,000 | 727 |
| Net interest income | $20,929,000 | 684 |
| Provision for loan and lease losses | $1,800,000 | 562 |
| Total noninterest income | $6,809,000 | 732 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,649,000 | 361 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,160,000 | 898 |
| Total noninterest expense | $12,754,000 | 965 |
| Salaries and employee benefits | $6,365,000 | 1,019 |
| Premises and equipment expense | $2,531,000 | 692 |
| Additional noninterest expense | $3,858,000 | 996 |
| Pre-tax net operating income | $13,184,000 | 542 |
| Securities gains (losses) | $5,647,000 | 151 |
| Applicable income taxes | $7,097,000 | 400 |
| Income before extraordinary items | $11,734,000 | 478 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $11,734,000 | 479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $602,000 | 1,011 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,119,920 | 590 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,435,000 | 754 |
| Total interest expense | $6,289,000 | 762 |
| Net interest income | $13,146,000 | 725 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $4,404,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,267,000 | 379 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,137,000 | 875 |
| Total noninterest expense | $8,081,000 | 1,017 |
| Salaries and employee benefits | $4,272,000 | 1,010 |
| Premises and equipment expense | $1,702,000 | 687 |
| Additional noninterest expense | $2,107,000 | 1,194 |
| Pre-tax net operating income | $9,169,000 | 519 |
| Securities gains (losses) | $5,299,000 | 136 |
| Applicable income taxes | $5,461,000 | 368 |
| Income before extraordinary items | $9,007,000 | 429 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $9,007,000 | 430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,181 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,615,640 | 573 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,045,000 | 820 |
| Total interest expense | $3,004,000 | 821 |
| Net interest income | $6,041,000 | 801 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $2,298,000 | 708 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,157,000 | 362 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,141,000 | 815 |
| Total noninterest expense | $4,121,000 | 985 |
| Salaries and employee benefits | $2,178,000 | 987 |
| Premises and equipment expense | $889,000 | 654 |
| Additional noninterest expense | $1,054,000 | 1,160 |
| Pre-tax net operating income | $3,918,000 | 593 |
| Securities gains (losses) | $5,236,000 | 73 |
| Applicable income taxes | $3,448,000 | 315 |
| Income before extraordinary items | $5,706,000 | 350 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,706,000 | 351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,601 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,354,960 | 668 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,231,000 | 942 |
| Total interest expense | $11,294,000 | 992 |
| Net interest income | $20,937,000 | 925 |
| Provision for loan and lease losses | $700,000 | 1,829 |
| Total noninterest income | $8,096,000 | 721 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,569,000 | 353 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,527,000 | 904 |
| Total noninterest expense | $24,435,000 | 668 |
| Salaries and employee benefits | $10,135,000 | 795 |
| Premises and equipment expense | $3,006,000 | 735 |
| Additional noninterest expense | $11,294,000 | 510 |
| Pre-tax net operating income | $3,898,000 | 2,025 |
| Securities gains (losses) | $990,000 | 427 |
| Applicable income taxes | $1,702,000 | 1,484 |
| Income before extraordinary items | $3,186,000 | 1,876 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,186,000 | 1,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 1,236 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,542,500 | 2,244 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 8,163 |
| Total interest expense | $984,000 | 8,054 |
| Net interest income | $1,060,000 | 8,166 |
| Provision for loan and lease losses | $2,168,000 | 660 |
| Total noninterest income | $517,000 | 4,978 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $300,000 | 4,165 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $217,000 | 4,766 |
| Total noninterest expense | $757,000 | 8,550 |
| Salaries and employee benefits | $376,000 | 8,719 |
| Premises and equipment expense | $127,000 | 7,892 |
| Additional noninterest expense | $254,000 | 8,186 |
| Pre-tax net operating income | $-1,348,000 | 9,437 |
| Securities gains (losses) | $335,000 | 834 |
| Applicable income taxes | $-374,000 | 9,463 |
| Income before extraordinary items | $-639,000 | 9,295 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-639,000 | 9,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $125,000,000 | 9 |
| Net operating income | $-853,400 | 9,343 |
* 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.