Home > Citizens Bank in Loup City > Income and Expense
Citizens Bank in Loup City, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $961,000 | 7,641 |
| Total interest expense | $284,000 | 7,509 |
| Net interest income | $677,000 | 7,602 |
| Provision for loan and lease losses | $20,000 | 6,935 |
| Total noninterest income | $80,000 | 7,048 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $74,000 | 5,821 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $6,000 | 7,405 |
| Total noninterest expense | $379,000 | 7,951 |
| Salaries and employee benefits | $177,000 | 7,970 |
| Premises and equipment expense | $45,000 | 7,794 |
| Additional noninterest expense | $157,000 | 7,774 |
| Pre-tax net operating income | $358,000 | 4,328 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $107,000 | 2,831 |
| Income before extraordinary items | $251,000 | 4,623 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $251,000 | 4,621 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $251,000 | 4,624 |
| Net charge-offs | $15,000 | 6,364 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $251,000 | 4,561 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $607,000 | 7,750 |
| Total interest expense | $185,000 | 7,630 |
| Net interest income | $422,000 | 7,711 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $50,000 | 7,163 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $44,000 | 5,974 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $247,000 | 8,038 |
| Salaries and employee benefits | $119,000 | 8,058 |
| Premises and equipment expense | $29,000 | 7,884 |
| Additional noninterest expense | $99,000 | 7,889 |
| Pre-tax net operating income | $225,000 | 4,506 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $69,000 | 2,927 |
| Income before extraordinary items | $156,000 | 4,828 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $156,000 | 4,825 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $156,000 | 4,825 |
| Net charge-offs | $13,000 | 5,866 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $156,000 | 4,739 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $268,000 | 7,892 |
| Total interest expense | $85,000 | 7,784 |
| Net interest income | $183,000 | 7,845 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $23,000 | 7,294 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $21,000 | 6,011 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,000 | 7,617 |
| Total noninterest expense | $119,000 | 8,095 |
| Salaries and employee benefits | $59,000 | 8,114 |
| Premises and equipment expense | $14,000 | 7,930 |
| Additional noninterest expense | $46,000 | 7,917 |
| Pre-tax net operating income | $87,000 | 5,171 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $27,000 | 3,369 |
| Income before extraordinary items | $60,000 | 5,546 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $60,000 | 5,549 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $60,000 | 5,549 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $60,000 | 5,370 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,009,000 | 7,975 |
| Total interest expense | $425,000 | 7,807 |
| Net interest income | $584,000 | 8,025 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $95,000 | 7,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 6,156 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $12,000 | 7,639 |
| Total noninterest expense | $445,000 | 8,162 |
| Salaries and employee benefits | $230,000 | 8,168 |
| Premises and equipment expense | $49,000 | 8,059 |
| Additional noninterest expense | $166,000 | 8,014 |
| Pre-tax net operating income | $234,000 | 5,654 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $72,000 | 3,634 |
| Income before extraordinary items | $162,000 | 5,627 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $162,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,793 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $162,000 | 5,782 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $752,000 | 8,076 |
| Total interest expense | $332,000 | 7,870 |
| Net interest income | $420,000 | 8,138 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $66,000 | 7,550 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $57,000 | 6,283 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,000 | 7,809 |
| Total noninterest expense | $325,000 | 8,230 |
| Salaries and employee benefits | $162,000 | 8,256 |
| Premises and equipment expense | $41,000 | 8,076 |
| Additional noninterest expense | $122,000 | 8,070 |
| Pre-tax net operating income | $161,000 | 6,193 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $55,000 | 4,047 |
| Income before extraordinary items | $106,000 | 6,148 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $106,000 | 6,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,164 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $106,000 | 6,304 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $492,000 | 8,154 |
| Total interest expense | $232,000 | 7,927 |
| Net interest income | $260,000 | 8,221 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $36,000 | 7,759 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $5,000 | 7,937 |
| Total noninterest expense | $210,000 | 8,309 |
| Salaries and employee benefits | $109,000 | 8,325 |
| Premises and equipment expense | $26,000 | 8,152 |
| Additional noninterest expense | $75,000 | 8,181 |
| Pre-tax net operating income | $86,000 | 6,480 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $30,000 | 4,422 |
| Income before extraordinary items | $56,000 | 6,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $56,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $56,000 | 6,586 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $242,000 | 8,225 |
| Total interest expense | $125,000 | 7,952 |
| Net interest income | $117,000 | 8,312 |
| 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 | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,000 | 8,025 |
| Total noninterest expense | $101,000 | 8,367 |
| Salaries and employee benefits | $55,000 | 8,366 |
| Premises and equipment expense | $12,000 | 8,206 |
| Additional noninterest expense | $34,000 | 8,263 |
| Pre-tax net operating income | $36,000 | 6,778 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $28,000 | 6,902 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $28,000 | 6,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $28,000 | 6,811 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 8,235 |
| Total interest expense | $479,000 | 7,977 |
| Net interest income | $432,000 | 8,328 |
| Provision for loan and lease losses | $10,000 | 6,581 |
| Total noninterest income | $62,000 | 7,922 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $53,000 | 6,700 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $9,000 | 8,086 |
| Total noninterest expense | $426,000 | 8,394 |
| Salaries and employee benefits | $227,000 | 8,399 |
| Premises and equipment expense | $54,000 | 8,211 |
| Additional noninterest expense | $145,000 | 8,283 |
| Pre-tax net operating income | $58,000 | 7,271 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $16,000 | 5,503 |
| Income before extraordinary items | $42,000 | 7,354 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $42,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,321 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $42,000 | 7,325 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $674,000 | 8,292 |
| Total interest expense | $352,000 | 8,047 |
| Net interest income | $322,000 | 8,373 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $43,000 | 8,018 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $36,000 | 6,822 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $7,000 | 8,132 |
| Total noninterest expense | $319,000 | 8,394 |
| Salaries and employee benefits | $166,000 | 8,401 |
| Premises and equipment expense | $41,000 | 8,202 |
| Additional noninterest expense | $112,000 | 8,253 |
| Pre-tax net operating income | $36,000 | 7,546 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $10,000 | 5,728 |
| Income before extraordinary items | $26,000 | 7,588 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $26,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $26,000 | 7,575 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $442,000 | 8,370 |
| Total interest expense | $230,000 | 8,106 |
| Net interest income | $212,000 | 8,449 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $25,000 | 8,136 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $22,000 | 6,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $207,000 | 8,461 |
| Salaries and employee benefits | $112,000 | 8,452 |
| Premises and equipment expense | $27,000 | 8,257 |
| Additional noninterest expense | $68,000 | 8,365 |
| Pre-tax net operating income | $20,000 | 7,690 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $15,000 | 7,723 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $15,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $15,000 | 7,708 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $218,000 | 8,442 |
| Total interest expense | $112,000 | 8,168 |
| Net interest income | $106,000 | 8,502 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $13,000 | 8,149 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $11,000 | 6,918 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $100,000 | 8,509 |
| Salaries and employee benefits | $55,000 | 8,505 |
| Premises and equipment expense | $15,000 | 8,211 |
| Additional noninterest expense | $30,000 | 8,457 |
| Pre-tax net operating income | $19,000 | 7,664 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $6,000 | 5,609 |
| Income before extraordinary items | $13,000 | 7,721 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $13,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $13,000 | 7,701 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 8,451 |
| Total interest expense | $332,000 | 8,244 |
| Net interest income | $360,000 | 8,521 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $51,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $43,000 | 6,993 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,318 |
| Total noninterest expense | $375,000 | 8,557 |
| Salaries and employee benefits | $174,000 | 8,577 |
| Premises and equipment expense | $61,000 | 8,239 |
| Additional noninterest expense | $140,000 | 8,403 |
| Pre-tax net operating income | $36,000 | 7,866 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,000 | 6,282 |
| Income before extraordinary items | $30,000 | 7,896 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $30,000 | 7,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $30,000 | 7,885 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $494,000 | 8,531 |
| Total interest expense | $233,000 | 8,326 |
| Net interest income | $261,000 | 8,601 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $38,000 | 8,295 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $33,000 | 7,063 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $282,000 | 8,602 |
| Salaries and employee benefits | $135,000 | 8,626 |
| Premises and equipment expense | $44,000 | 8,320 |
| Additional noninterest expense | $103,000 | 8,460 |
| Pre-tax net operating income | $17,000 | 8,059 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $16,000 | 8,081 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $16,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $16,000 | 8,069 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $300,000 | 8,612 |
| Total interest expense | $137,000 | 8,393 |
| Net interest income | $163,000 | 8,671 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $25,000 | 8,356 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $19,000 | 7,200 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,317 |
| Total noninterest expense | $190,000 | 8,640 |
| Salaries and employee benefits | $91,000 | 8,674 |
| Premises and equipment expense | $29,000 | 8,346 |
| Additional noninterest expense | $70,000 | 8,477 |
| Pre-tax net operating income | $-2,000 | 8,178 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-4,000 | 8,452 |
| Income before extraordinary items | $2,000 | 8,165 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,000 | 8,154 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $145,000 | 8,648 |
| Total interest expense | $64,000 | 8,438 |
| Net interest income | $81,000 | 8,690 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $10,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $7,000 | 7,331 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $92,000 | 8,667 |
| Salaries and employee benefits | $47,000 | 8,678 |
| Premises and equipment expense | $16,000 | 8,272 |
| Additional noninterest expense | $29,000 | 8,598 |
| Pre-tax net operating income | $-1,000 | 8,217 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-2,000 | 8,456 |
| Income before extraordinary items | $1,000 | 8,185 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,000 | 8,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,000 | 8,176 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 8,631 |
| Total interest expense | $207,000 | 8,435 |
| Net interest income | $305,000 | 8,676 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $44,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $36,000 | 7,288 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,464 |
| Total noninterest expense | $376,000 | 8,692 |
| Salaries and employee benefits | $193,000 | 8,695 |
| Premises and equipment expense | $49,000 | 8,486 |
| Additional noninterest expense | $134,000 | 8,568 |
| Pre-tax net operating income | $-52,000 | 8,301 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $-23,000 | 8,504 |
| Income before extraordinary items | $-31,000 | 8,315 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-31,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-29,720 | 8,289 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $366,000 | 8,695 |
| Total interest expense | $143,000 | 8,483 |
| Net interest income | $223,000 | 8,734 |
| Provision for loan and lease losses | $25,000 | 5,986 |
| Total noninterest income | $32,000 | 8,511 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 7,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $282,000 | 8,701 |
| Salaries and employee benefits | $145,000 | 8,703 |
| Premises and equipment expense | $35,000 | 8,507 |
| Additional noninterest expense | $102,000 | 8,566 |
| Pre-tax net operating income | $-52,000 | 8,385 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $-22,000 | 8,637 |
| Income before extraordinary items | $-32,000 | 8,387 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-32,000 | 8,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-30,720 | 8,360 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,728 |
| Total interest expense | $86,000 | 8,530 |
| Net interest income | $140,000 | 8,765 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $19,000 | 8,554 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $17,000 | 7,375 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $186,000 | 8,707 |
| Salaries and employee benefits | $97,000 | 8,720 |
| Premises and equipment expense | $23,000 | 8,511 |
| Additional noninterest expense | $66,000 | 8,577 |
| Pre-tax net operating income | $-42,000 | 8,422 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $-17,000 | 8,648 |
| Income before extraordinary items | $-27,000 | 8,437 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-27,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-25,720 | 8,408 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $102,000 | 8,823 |
| Total interest expense | $40,000 | 8,608 |
| Net interest income | $62,000 | 8,847 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $7,000 | 8,687 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $7,000 | 7,502 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $90,000 | 8,789 |
| Salaries and employee benefits | $48,000 | 8,791 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $32,000 | 8,653 |
| Pre-tax net operating income | $-21,000 | 8,509 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-8,000 | 8,689 |
| Income before extraordinary items | $-13,000 | 8,505 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-13,000 | 8,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-13,000 | 8,481 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 8,820 |
| Total interest expense | $134,000 | 8,649 |
| Net interest income | $254,000 | 8,843 |
| Provision for loan and lease losses | $22,000 | 6,676 |
| Total noninterest income | $36,000 | 8,673 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $27,000 | 7,586 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,000 | 8,564 |
| Total noninterest expense | $361,000 | 8,830 |
| Salaries and employee benefits | $162,000 | 8,866 |
| Premises and equipment expense | $34,000 | 8,774 |
| Additional noninterest expense | $165,000 | 8,510 |
| Pre-tax net operating income | $-93,000 | 8,486 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-35,000 | 8,649 |
| Income before extraordinary items | $-58,000 | 8,503 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-58,000 | 8,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-58,000 | 8,469 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $291,000 | 8,878 |
| Total interest expense | $98,000 | 8,720 |
| Net interest income | $193,000 | 8,893 |
| Provision for loan and lease losses | $7,000 | 6,892 |
| Total noninterest income | $26,000 | 8,739 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $20,000 | 7,636 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,650 |
| Total noninterest expense | $230,000 | 8,913 |
| Salaries and employee benefits | $115,000 | 8,919 |
| Premises and equipment expense | $23,000 | 8,831 |
| Additional noninterest expense | $92,000 | 8,756 |
| Pre-tax net operating income | $-18,000 | 8,508 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-9,000 | 8,727 |
| Income before extraordinary items | $-9,000 | 8,522 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-9,000 | 8,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-9,000 | 8,488 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $196,000 | 8,935 |
| Total interest expense | $65,000 | 8,780 |
| Net interest income | $131,000 | 8,950 |
| Provision for loan and lease losses | $7,000 | 6,522 |
| Total noninterest income | $15,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $153,000 | 8,971 |
| Salaries and employee benefits | $77,000 | 8,979 |
| Premises and equipment expense | $16,000 | 8,866 |
| Additional noninterest expense | $60,000 | 8,818 |
| Pre-tax net operating income | $-14,000 | 8,566 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-7,000 | 8,775 |
| Income before extraordinary items | $-7,000 | 8,601 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,000 | 8,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-7,000 | 8,550 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $103,000 | 8,980 |
| Total interest expense | $33,000 | 8,824 |
| Net interest income | $70,000 | 8,993 |
| Provision for loan and lease losses | $2,000 | 6,358 |
| Total noninterest income | $7,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $78,000 | 9,009 |
| Salaries and employee benefits | $39,000 | 9,016 |
| Premises and equipment expense | $9,000 | 8,833 |
| Additional noninterest expense | $30,000 | 8,856 |
| Pre-tax net operating income | $-3,000 | 8,575 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-2,000 | 8,796 |
| Income before extraordinary items | $-1,000 | 8,604 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-1,000 | 8,548 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $323,000 | 9,036 |
| Total interest expense | $116,000 | 8,924 |
| Net interest income | $207,000 | 9,039 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $34,000 | 8,904 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $25,000 | 7,773 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,000 | 8,800 |
| Total noninterest expense | $251,000 | 9,105 |
| Salaries and employee benefits | $116,000 | 9,104 |
| Premises and equipment expense | $32,000 | 8,986 |
| Additional noninterest expense | $103,000 | 8,991 |
| Pre-tax net operating income | $-40,000 | 8,591 |
| Securities gains (losses) | $-1,000 | 8,546 |
| Applicable income taxes | $-15,000 | 8,787 |
| Income before extraordinary items | $-26,000 | 8,663 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-26,000 | 8,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-25,360 | 8,580 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $236,000 | 9,116 |
| Total interest expense | $85,000 | 9,022 |
| Net interest income | $151,000 | 9,123 |
| Provision for loan and lease losses | $17,000 | 6,906 |
| Total noninterest income | $24,000 | 9,003 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $17,000 | 7,874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 8,842 |
| Total noninterest expense | $187,000 | 9,161 |
| Salaries and employee benefits | $84,000 | 9,166 |
| Premises and equipment expense | $24,000 | 9,020 |
| Additional noninterest expense | $79,000 | 9,022 |
| Pre-tax net operating income | $-29,000 | 8,687 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $-11,000 | 8,923 |
| Income before extraordinary items | $-19,000 | 8,760 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-19,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-18,360 | 8,672 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $149,000 | 9,168 |
| Total interest expense | $54,000 | 9,082 |
| Net interest income | $95,000 | 9,175 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $13,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $126,000 | 9,190 |
| Salaries and employee benefits | $58,000 | 9,197 |
| Premises and equipment expense | $16,000 | 9,035 |
| Additional noninterest expense | $52,000 | 9,058 |
| Pre-tax net operating income | $-30,000 | 8,736 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $-11,000 | 9,002 |
| Income before extraordinary items | $-20,000 | 8,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-20,000 | 8,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-19,350 | 8,715 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $71,000 | 9,218 |
| Total interest expense | $26,000 | 9,136 |
| Net interest income | $45,000 | 9,220 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $5,000 | 9,143 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $65,000 | 9,229 |
| Salaries and employee benefits | $31,000 | 9,236 |
| Premises and equipment expense | $8,000 | 9,060 |
| Additional noninterest expense | $26,000 | 9,083 |
| Pre-tax net operating income | $-23,000 | 8,824 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-7,000 | 9,047 |
| Income before extraordinary items | $-16,000 | 8,862 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,000 | 8,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-16,000 | 8,765 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $157,000 | 9,286 |
| Total interest expense | $45,000 | 9,249 |
| Net interest income | $112,000 | 9,286 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $13,000 | 9,205 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $6,000 | 8,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 9,001 |
| Total noninterest expense | $258,000 | 9,273 |
| Salaries and employee benefits | $128,000 | 9,269 |
| Premises and equipment expense | $25,000 | 9,200 |
| Additional noninterest expense | $105,000 | 9,148 |
| Pre-tax net operating income | $-163,000 | 8,812 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-55,000 | 9,002 |
| Income before extraordinary items | $-108,000 | 8,843 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-108,000 | 8,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,003,000 | 286 |
| Net operating income | $-108,000 | 8,784 |
* 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.