Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $620,000 | 7,985 |
| Total interest expense | $217,000 | 7,974 |
| Net interest income | $403,000 | 7,924 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $39,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $26,000 | 6,681 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $291,000 | 8,155 |
| Salaries and employee benefits | $188,000 | 8,036 |
| Premises and equipment expense | $39,000 | 7,906 |
| Additional noninterest expense | $64,000 | 8,257 |
| Pre-tax net operating income | $151,000 | 6,112 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $151,000 | 5,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 5,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $70,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $151,000 | 5,908 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,053 |
| Total interest expense | $113,000 | 8,020 |
| Net interest income | $196,000 | 7,999 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $20,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $12,000 | 6,732 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $164,000 | 8,113 |
| Salaries and employee benefits | $110,000 | 7,943 |
| Premises and equipment expense | $21,000 | 7,894 |
| Additional noninterest expense | $33,000 | 8,272 |
| Pre-tax net operating income | $52,000 | 6,588 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $52,000 | 6,557 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $52,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $60,000 | 3,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $52,000 | 6,458 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 8,051 |
| Total interest expense | $444,000 | 8,029 |
| Net interest income | $818,000 | 7,963 |
| Provision for loan and lease losses | $5,000 | 6,721 |
| Total noninterest income | $95,000 | 7,614 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $66,000 | 6,500 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $29,000 | 7,566 |
| Total noninterest expense | $584,000 | 8,239 |
| Salaries and employee benefits | $348,000 | 8,176 |
| Premises and equipment expense | $89,000 | 7,871 |
| Additional noninterest expense | $147,000 | 8,271 |
| Pre-tax net operating income | $324,000 | 6,524 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $324,000 | 6,334 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $324,000 | 6,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $273,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $324,000 | 6,319 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 8,122 |
| Total interest expense | $319,000 | 8,103 |
| Net interest income | $615,000 | 8,017 |
| Provision for loan and lease losses | $5,000 | 6,358 |
| Total noninterest income | $68,000 | 7,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $51,000 | 6,513 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $17,000 | 7,773 |
| Total noninterest expense | $447,000 | 8,210 |
| Salaries and employee benefits | $271,000 | 8,133 |
| Premises and equipment expense | $67,000 | 7,847 |
| Additional noninterest expense | $109,000 | 8,277 |
| Pre-tax net operating income | $231,000 | 6,839 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $231,000 | 6,650 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $231,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $171,000 | 4,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $231,000 | 6,635 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $614,000 | 8,192 |
| Total interest expense | $205,000 | 8,188 |
| Net interest income | $409,000 | 8,082 |
| Provision for loan and lease losses | $5,000 | 5,998 |
| Total noninterest income | $45,000 | 7,765 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $34,000 | 6,547 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $11,000 | 7,835 |
| Total noninterest expense | $312,000 | 8,222 |
| Salaries and employee benefits | $193,000 | 8,135 |
| Premises and equipment expense | $45,000 | 7,884 |
| Additional noninterest expense | $74,000 | 8,300 |
| Pre-tax net operating income | $137,000 | 7,042 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $137,000 | 6,845 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $137,000 | 6,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $114,000 | 4,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $137,000 | 6,832 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $305,000 | 8,246 |
| Total interest expense | $99,000 | 8,250 |
| Net interest income | $206,000 | 8,135 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $177,000 | 8,133 |
| Salaries and employee benefits | $117,000 | 7,956 |
| Premises and equipment expense | $22,000 | 7,922 |
| Additional noninterest expense | $38,000 | 8,309 |
| Pre-tax net operating income | $48,000 | 7,317 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $48,000 | 7,181 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $48,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $57,000 | 3,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $48,000 | 7,175 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,200,000 | 8,136 |
| Total interest expense | $326,000 | 8,255 |
| Net interest income | $874,000 | 8,001 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $76,000 | 7,988 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $56,000 | 6,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,978 |
| Total noninterest expense | $569,000 | 8,360 |
| Salaries and employee benefits | $326,000 | 8,323 |
| Premises and equipment expense | $88,000 | 7,935 |
| Additional noninterest expense | $155,000 | 8,345 |
| Pre-tax net operating income | $369,000 | 6,881 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $369,000 | 6,636 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $369,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $327,000 | 4,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $369,000 | 6,637 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $884,000 | 8,212 |
| Total interest expense | $224,000 | 8,340 |
| Net interest income | $660,000 | 8,081 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $58,000 | 8,054 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $43,000 | 6,864 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $433,000 | 8,371 |
| Salaries and employee benefits | $253,000 | 8,308 |
| Premises and equipment expense | $63,000 | 8,022 |
| Additional noninterest expense | $117,000 | 8,368 |
| Pre-tax net operating income | $276,000 | 7,118 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $276,000 | 6,838 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $276,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $177,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $276,000 | 6,841 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $576,000 | 8,273 |
| Total interest expense | $136,000 | 8,396 |
| Net interest income | $440,000 | 8,125 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $37,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $26,000 | 6,978 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,021 |
| Total noninterest expense | $303,000 | 8,360 |
| Salaries and employee benefits | $180,000 | 8,302 |
| Premises and equipment expense | $43,000 | 8,003 |
| Additional noninterest expense | $80,000 | 8,378 |
| Pre-tax net operating income | $168,000 | 7,283 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $168,000 | 7,019 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $168,000 | 7,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $118,000 | 4,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $168,000 | 7,028 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $283,000 | 8,302 |
| Total interest expense | $63,000 | 8,443 |
| Net interest income | $220,000 | 8,147 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $12,000 | 7,044 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $166,000 | 8,281 |
| Salaries and employee benefits | $105,000 | 8,159 |
| Premises and equipment expense | $21,000 | 8,027 |
| Additional noninterest expense | $40,000 | 8,386 |
| Pre-tax net operating income | $69,000 | 7,450 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $69,000 | 7,208 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 7,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $59,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $69,000 | 7,213 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 8,283 |
| Total interest expense | $244,000 | 8,333 |
| Net interest income | $815,000 | 8,196 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $83,000 | 8,113 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $63,000 | 6,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,000 | 8,136 |
| Total noninterest expense | $581,000 | 8,448 |
| Salaries and employee benefits | $323,000 | 8,420 |
| Premises and equipment expense | $102,000 | 7,839 |
| Additional noninterest expense | $156,000 | 8,457 |
| Pre-tax net operating income | $305,000 | 7,361 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $305,000 | 7,164 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $305,000 | 7,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $259,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $305,000 | 7,145 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $779,000 | 8,334 |
| Total interest expense | $180,000 | 8,344 |
| Net interest income | $599,000 | 8,263 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $60,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 6,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,169 |
| Total noninterest expense | $447,000 | 8,417 |
| Salaries and employee benefits | $250,000 | 8,392 |
| Premises and equipment expense | $80,000 | 7,786 |
| Additional noninterest expense | $117,000 | 8,465 |
| Pre-tax net operating income | $203,000 | 7,615 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $203,000 | 7,425 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $203,000 | 7,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $141,000 | 4,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $203,000 | 7,394 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $509,000 | 8,362 |
| Total interest expense | $116,000 | 8,368 |
| Net interest income | $393,000 | 8,308 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $40,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $30,000 | 6,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $313,000 | 8,351 |
| Salaries and employee benefits | $178,000 | 8,329 |
| Premises and equipment expense | $59,000 | 7,657 |
| Additional noninterest expense | $76,000 | 8,476 |
| Pre-tax net operating income | $114,000 | 7,780 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $114,000 | 7,640 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $114,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $94,000 | 4,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $114,000 | 7,594 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 8,447 |
| Total interest expense | $58,000 | 8,413 |
| Net interest income | $192,000 | 8,404 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $22,000 | 8,118 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $179,000 | 8,282 |
| Salaries and employee benefits | $105,000 | 8,204 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $38,000 | 8,536 |
| Pre-tax net operating income | $32,000 | 8,121 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $32,000 | 8,065 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $32,000 | 8,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $47,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $32,000 | 8,033 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 8,384 |
| Total interest expense | $250,000 | 8,286 |
| Net interest income | $754,000 | 8,367 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $83,000 | 8,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $22,000 | 8,162 |
| Total noninterest expense | $510,000 | 8,660 |
| Salaries and employee benefits | $293,000 | 8,614 |
| Premises and equipment expense | $76,000 | 8,271 |
| Additional noninterest expense | $141,000 | 8,639 |
| Pre-tax net operating income | $315,000 | 7,386 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $315,000 | 7,165 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $315,000 | 7,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $283,000 | 4,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $315,000 | 7,109 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $746,000 | 8,438 |
| Total interest expense | $191,000 | 8,304 |
| Net interest income | $555,000 | 8,425 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $61,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 8,169 |
| Total noninterest expense | $371,000 | 8,691 |
| Salaries and employee benefits | $223,000 | 8,627 |
| Premises and equipment expense | $45,000 | 8,490 |
| Additional noninterest expense | $103,000 | 8,674 |
| Pre-tax net operating income | $236,000 | 7,523 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $236,000 | 7,271 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $236,000 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,805 |
| Cash dividends | $113,000 | 4,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $236,000 | 7,209 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $494,000 | 8,509 |
| Total interest expense | $132,000 | 8,333 |
| Net interest income | $362,000 | 8,493 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $41,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $27,000 | 7,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $250,000 | 8,736 |
| Salaries and employee benefits | $155,000 | 8,642 |
| Premises and equipment expense | $27,000 | 8,608 |
| Additional noninterest expense | $68,000 | 8,733 |
| Pre-tax net operating income | $147,000 | 7,563 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $147,000 | 7,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $147,000 | 7,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $68,000 | 4,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $147,000 | 7,284 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $245,000 | 8,569 |
| Total interest expense | $69,000 | 8,355 |
| Net interest income | $176,000 | 8,558 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $138,000 | 8,694 |
| Salaries and employee benefits | $89,000 | 8,531 |
| Premises and equipment expense | $14,000 | 8,600 |
| Additional noninterest expense | $35,000 | 8,744 |
| Pre-tax net operating income | $55,000 | 7,840 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $55,000 | 7,679 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $55,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $34,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $55,000 | 7,605 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $972,000 | 8,615 |
| Total interest expense | $304,000 | 8,442 |
| Net interest income | $668,000 | 8,611 |
| Provision for loan and lease losses | $7,000 | 7,463 |
| Total noninterest income | $83,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $56,000 | 7,345 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $27,000 | 8,216 |
| Total noninterest expense | $459,000 | 8,887 |
| Salaries and employee benefits | $265,000 | 8,858 |
| Premises and equipment expense | $64,000 | 8,564 |
| Additional noninterest expense | $130,000 | 8,861 |
| Pre-tax net operating income | $285,000 | 7,488 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-2,000 | 8,704 |
| Income before extraordinary items | $287,000 | 7,340 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $287,000 | 7,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $276,000 | 4,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $287,000 | 7,196 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $724,000 | 8,701 |
| Total interest expense | $230,000 | 8,544 |
| Net interest income | $494,000 | 8,685 |
| Provision for loan and lease losses | $6,000 | 7,313 |
| Total noninterest income | $59,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $43,000 | 7,379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,420 |
| Total noninterest expense | $344,000 | 8,931 |
| Salaries and employee benefits | $203,000 | 8,875 |
| Premises and equipment expense | $45,000 | 8,649 |
| Additional noninterest expense | $96,000 | 8,918 |
| Pre-tax net operating income | $203,000 | 7,712 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-2,000 | 8,861 |
| Income before extraordinary items | $205,000 | 7,562 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $205,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $156,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $205,000 | 7,405 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $477,000 | 8,758 |
| Total interest expense | $158,000 | 8,599 |
| Net interest income | $319,000 | 8,746 |
| Provision for loan and lease losses | $4,000 | 7,175 |
| Total noninterest income | $40,000 | 8,577 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,000 | 8,392 |
| Total noninterest expense | $230,000 | 8,951 |
| Salaries and employee benefits | $141,000 | 8,868 |
| Premises and equipment expense | $28,000 | 8,729 |
| Additional noninterest expense | $61,000 | 8,954 |
| Pre-tax net operating income | $125,000 | 7,804 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-2,000 | 8,933 |
| Income before extraordinary items | $127,000 | 7,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $127,000 | 7,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $104,000 | 4,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $127,000 | 7,507 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $235,000 | 8,828 |
| Total interest expense | $81,000 | 8,658 |
| Net interest income | $154,000 | 8,822 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $123,000 | 8,948 |
| Salaries and employee benefits | $79,000 | 8,788 |
| Premises and equipment expense | $12,000 | 8,854 |
| Additional noninterest expense | $32,000 | 8,979 |
| Pre-tax net operating income | $50,000 | 7,996 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $50,000 | 7,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $50,000 | 7,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $52,000 | 3,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $50,000 | 7,742 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $987,000 | 8,871 |
| Total interest expense | $388,000 | 8,689 |
| Net interest income | $599,000 | 8,895 |
| Provision for loan and lease losses | $7,000 | 7,905 |
| Total noninterest income | $111,000 | 8,271 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $67,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $44,000 | 7,759 |
| Total noninterest expense | $452,000 | 9,063 |
| Salaries and employee benefits | $259,000 | 9,027 |
| Premises and equipment expense | $52,000 | 8,861 |
| Additional noninterest expense | $141,000 | 8,950 |
| Pre-tax net operating income | $251,000 | 7,747 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $251,000 | 7,555 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $251,000 | 7,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $251,000 | 4,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $251,000 | 7,463 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 9,000 |
| Total interest expense | $513,000 | 8,996 |
| Net interest income | $671,000 | 8,903 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $86,000 | 8,704 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $65,000 | 7,289 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $21,000 | 8,695 |
| Total noninterest expense | $484,000 | 9,212 |
| Salaries and employee benefits | $280,000 | 9,143 |
| Premises and equipment expense | $65,000 | 8,882 |
| Additional noninterest expense | $139,000 | 9,135 |
| Pre-tax net operating income | $267,000 | 7,557 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $267,000 | 7,332 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $267,000 | 7,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $268,000 | 4,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $267,000 | 7,215 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,266,000 | 9,182 |
| Total interest expense | $533,000 | 9,182 |
| Net interest income | $733,000 | 9,034 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $92,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $454,000 | 9,485 |
| Salaries and employee benefits | $273,000 | 9,375 |
| Premises and equipment expense | $51,000 | 9,346 |
| Additional noninterest expense | $130,000 | 9,413 |
| Pre-tax net operating income | $371,000 | 7,598 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $371,000 | 7,029 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $371,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $361,000 | 4,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $371,000 | 7,026 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 9,420 |
| Total interest expense | $524,000 | 9,389 |
| Net interest income | $675,000 | 9,340 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $82,000 | 9,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,216 |
| Total noninterest expense | $427,000 | 9,810 |
| Salaries and employee benefits | $240,000 | 9,752 |
| Premises and equipment expense | $60,000 | 9,430 |
| Additional noninterest expense | $127,000 | 9,726 |
| Pre-tax net operating income | $330,000 | 7,921 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $330,000 | 7,395 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $330,000 | 7,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,087 |
| Cash dividends | $317,000 | 4,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $330,000 | 7,375 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,220,000 | 9,628 |
| Total interest expense | $576,000 | 9,537 |
| Net interest income | $644,000 | 9,627 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $82,000 | 9,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,482 |
| Total noninterest expense | $427,000 | 9,982 |
| Salaries and employee benefits | $221,000 | 10,007 |
| Premises and equipment expense | $60,000 | 9,567 |
| Additional noninterest expense | $146,000 | 9,694 |
| Pre-tax net operating income | $299,000 | 8,408 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $15,000 | 8,979 |
| Income before extraordinary items | $284,000 | 8,008 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $284,000 | 8,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $194,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $284,000 | 7,930 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 10,151 |
| Total interest expense | $539,000 | 10,002 |
| Net interest income | $596,000 | 10,191 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $80,000 | 9,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,798 |
| Total noninterest expense | $404,000 | 10,459 |
| Salaries and employee benefits | $211,000 | 10,486 |
| Premises and equipment expense | $71,000 | 9,671 |
| Additional noninterest expense | $122,000 | 10,319 |
| Pre-tax net operating income | $272,000 | 9,167 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $258,000 | 8,688 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $258,000 | 8,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $102,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $258,000 | 8,648 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 10,685 |
| Total interest expense | $532,000 | 10,490 |
| Net interest income | $560,000 | 10,754 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $78,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 8,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $388,000 | 10,998 |
| Salaries and employee benefits | $198,000 | 11,021 |
| Premises and equipment expense | $61,000 | 10,325 |
| Additional noninterest expense | $129,000 | 10,805 |
| Pre-tax net operating income | $250,000 | 9,483 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $69,000 | 9,344 |
| Income before extraordinary items | $181,000 | 9,482 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $181,000 | 9,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $130,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $181,000 | 9,424 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 11,344 |
| Total interest expense | $429,000 | 11,246 |
| Net interest income | $536,000 | 11,313 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $74,000 | 10,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $366,000 | 11,544 |
| Salaries and employee benefits | $183,000 | 11,579 |
| Premises and equipment expense | $55,000 | 10,933 |
| Additional noninterest expense | $128,000 | 11,335 |
| Pre-tax net operating income | $244,000 | 10,160 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $74,000 | 9,703 |
| Income before extraordinary items | $170,000 | 10,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $170,000 | 10,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $167,000 | 5,878 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $170,000 | 10,238 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 12,063 |
| Total interest expense | $312,000 | 11,989 |
| Net interest income | $491,000 | 12,028 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $73,000 | 11,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $361,000 | 12,179 |
| Salaries and employee benefits | $171,000 | 12,246 |
| Premises and equipment expense | $55,000 | 11,452 |
| Additional noninterest expense | $135,000 | 11,965 |
| Pre-tax net operating income | $203,000 | 10,876 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $44,000 | 10,609 |
| Income before extraordinary items | $157,000 | 10,731 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $157,000 | 10,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $135,000 | 6,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $158,560 | 10,764 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $756,000 | 12,736 |
| Total interest expense | $325,000 | 12,562 |
| Net interest income | $431,000 | 12,734 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $66,000 | 12,174 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,957 |
| Total noninterest expense | $371,000 | 12,754 |
| Salaries and employee benefits | $165,000 | 12,883 |
| Premises and equipment expense | $54,000 | 12,082 |
| Additional noninterest expense | $152,000 | 12,398 |
| Pre-tax net operating income | $126,000 | 11,664 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $23,000 | 11,542 |
| Income before extraordinary items | $105,000 | 11,752 |
| Extraordinary gains, net | $15,000 | 2,819 |
| Net income | $120,000 | 11,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 11,674 |
| Cash dividends | $195,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $103,360 | 11,578 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $897,000 | 13,200 |
| Total interest expense | $448,000 | 12,985 |
| Net interest income | $449,000 | 13,239 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $69,000 | 12,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $342,000 | 13,431 |
| Salaries and employee benefits | $144,000 | 13,589 |
| Premises and equipment expense | $48,000 | 12,755 |
| Additional noninterest expense | $150,000 | 12,956 |
| Pre-tax net operating income | $168,000 | 11,348 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $36,000 | 11,628 |
| Income before extraordinary items | $132,000 | 11,516 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $132,000 | 11,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 12,970 |
| Cash dividends | $12,000 | 8,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $132,000 | 11,193 |
* 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.