Home > Citizens Bank of Jessamine County > Income and Expense
Citizens Bank of Jessamine County, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,003,000 | 3,106 |
| Total interest expense | $4,203,000 | 2,782 |
| Net interest income | $4,800,000 | 3,329 |
| Provision for loan and lease losses | $265,000 | 3,761 |
| Total noninterest income | $1,128,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $835,000 | 1,609 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $293,000 | 3,725 |
| Total noninterest expense | $4,209,000 | 3,251 |
| Salaries and employee benefits | $1,655,000 | 4,170 |
| Premises and equipment expense | $489,000 | 3,690 |
| Additional noninterest expense | $2,065,000 | 2,101 |
| Pre-tax net operating income | $1,454,000 | 2,906 |
| Securities gains (losses) | $-1,149,000 | 7,959 |
| Applicable income taxes | $16,000 | 4,686 |
| Income before extraordinary items | $289,000 | 5,262 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $289,000 | 5,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,399 |
| Cash dividends | $603,000 | 2,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,380,550 | 2,604 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,128,000 | 3,090 |
| Total interest expense | $2,903,000 | 2,792 |
| Net interest income | $3,225,000 | 3,303 |
| Provision for loan and lease losses | $243,000 | 2,845 |
| Total noninterest income | $737,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $531,000 | 1,661 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $206,000 | 3,706 |
| Total noninterest expense | $2,808,000 | 3,264 |
| Salaries and employee benefits | $1,136,000 | 4,116 |
| Premises and equipment expense | $303,000 | 3,944 |
| Additional noninterest expense | $1,369,000 | 2,077 |
| Pre-tax net operating income | $911,000 | 3,141 |
| Securities gains (losses) | $20,000 | 2,041 |
| Applicable income taxes | $241,000 | 2,474 |
| Income before extraordinary items | $690,000 | 3,345 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $690,000 | 3,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,916 |
| Cash dividends | $603,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $675,200 | 3,340 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,188,000 | 3,056 |
| Total interest expense | $1,566,000 | 2,768 |
| Net interest income | $1,622,000 | 3,282 |
| Provision for loan and lease losses | $175,000 | 1,958 |
| Total noninterest income | $384,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $312,000 | 1,402 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $72,000 | 4,378 |
| Total noninterest expense | $1,445,000 | 3,171 |
| Salaries and employee benefits | $591,000 | 4,017 |
| Premises and equipment expense | $155,000 | 3,877 |
| Additional noninterest expense | $699,000 | 2,014 |
| Pre-tax net operating income | $386,000 | 3,616 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $101,000 | 2,793 |
| Income before extraordinary items | $285,000 | 3,920 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $285,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $285,000 | 3,840 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,232,000 | 3,466 |
| Total interest expense | $5,411,000 | 3,265 |
| Net interest income | $5,821,000 | 3,583 |
| Provision for loan and lease losses | $427,000 | 2,585 |
| Total noninterest income | $1,516,000 | 2,696 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,387,000 | 1,284 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $129,000 | 5,824 |
| Total noninterest expense | $5,847,000 | 3,035 |
| Salaries and employee benefits | $2,232,000 | 4,043 |
| Premises and equipment expense | $674,000 | 3,533 |
| Additional noninterest expense | $2,941,000 | 1,876 |
| Pre-tax net operating income | $1,063,000 | 4,611 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $341,000 | 3,209 |
| Income before extraordinary items | $722,000 | 4,994 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $722,000 | 4,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 2,168 |
| Cash dividends | $579,000 | 3,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $722,000 | 4,976 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,209,000 | 3,542 |
| Total interest expense | $3,890,000 | 3,370 |
| Net interest income | $4,319,000 | 3,629 |
| Provision for loan and lease losses | $171,000 | 3,299 |
| Total noninterest income | $1,154,000 | 2,666 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,036,000 | 1,268 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $118,000 | 5,507 |
| Total noninterest expense | $4,344,000 | 3,035 |
| Salaries and employee benefits | $1,661,000 | 4,049 |
| Premises and equipment expense | $516,000 | 3,474 |
| Additional noninterest expense | $2,167,000 | 1,860 |
| Pre-tax net operating income | $958,000 | 4,452 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $301,000 | 3,200 |
| Income before extraordinary items | $657,000 | 4,833 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $657,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,077 |
| Cash dividends | $568,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $657,000 | 4,826 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,316,000 | 3,620 |
| Total interest expense | $2,531,000 | 3,425 |
| Net interest income | $2,785,000 | 3,737 |
| Provision for loan and lease losses | $101,000 | 3,258 |
| Total noninterest income | $772,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $688,000 | 1,279 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $84,000 | 5,421 |
| Total noninterest expense | $2,866,000 | 3,083 |
| Salaries and employee benefits | $1,105,000 | 4,088 |
| Premises and equipment expense | $335,000 | 3,557 |
| Additional noninterest expense | $1,426,000 | 1,902 |
| Pre-tax net operating income | $590,000 | 4,698 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $189,000 | 3,344 |
| Income before extraordinary items | $401,000 | 5,074 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $401,000 | 5,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,978 |
| Cash dividends | $568,000 | 2,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $401,000 | 5,063 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,576,000 | 3,696 |
| Total interest expense | $1,214,000 | 3,506 |
| Net interest income | $1,362,000 | 3,794 |
| Provision for loan and lease losses | $-30,000 | 8,484 |
| Total noninterest income | $364,000 | 2,739 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $336,000 | 1,281 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $1,421,000 | 3,122 |
| Salaries and employee benefits | $556,000 | 4,101 |
| Premises and equipment expense | $161,000 | 3,678 |
| Additional noninterest expense | $704,000 | 1,894 |
| Pre-tax net operating income | $335,000 | 4,405 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $104,000 | 3,212 |
| Income before extraordinary items | $231,000 | 4,741 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $231,000 | 4,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $39,000 | 3,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $231,000 | 4,723 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,628,000 | 7,048 |
| Total interest expense | $1,221,000 | 6,556 |
| Net interest income | $1,407,000 | 7,299 |
| Provision for loan and lease losses | $196,000 | 3,577 |
| Total noninterest income | $383,000 | 5,693 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $340,000 | 3,876 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $43,000 | 7,400 |
| Total noninterest expense | $1,271,000 | 7,276 |
| Salaries and employee benefits | $501,000 | 7,864 |
| Premises and equipment expense | $180,000 | 6,924 |
| Additional noninterest expense | $590,000 | 6,106 |
| Pre-tax net operating income | $323,000 | 7,046 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $92,000 | 5,038 |
| Income before extraordinary items | $231,000 | 7,161 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $231,000 | 7,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $231,000 | 7,154 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 3,604 |
| Total interest expense | $3,128,000 | 3,393 |
| Net interest income | $4,220,000 | 3,713 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $1,144,000 | 2,684 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,074,000 | 1,248 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 6,429 |
| Total noninterest expense | $5,298,000 | 2,485 |
| Salaries and employee benefits | $3,536,000 | 2,071 |
| Premises and equipment expense | $541,000 | 3,260 |
| Additional noninterest expense | $1,221,000 | 3,080 |
| Pre-tax net operating income | $-159,000 | 8,271 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-115,000 | 8,576 |
| Income before extraordinary items | $-44,000 | 8,190 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-44,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 921 |
| Cash dividends | $701,000 | 2,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-44,000 | 8,178 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,803,000 | 3,608 |
| Total interest expense | $1,993,000 | 3,390 |
| Net interest income | $2,810,000 | 3,727 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $768,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $714,000 | 1,243 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $54,000 | 6,262 |
| Total noninterest expense | $2,324,000 | 3,546 |
| Salaries and employee benefits | $1,162,000 | 3,833 |
| Premises and equipment expense | $356,000 | 3,289 |
| Additional noninterest expense | $806,000 | 3,115 |
| Pre-tax net operating income | $1,104,000 | 3,556 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $377,000 | 2,707 |
| Income before extraordinary items | $727,000 | 3,975 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $727,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 1,034 |
| Cash dividends | $155,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $727,000 | 3,964 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,361,000 | 3,591 |
| Total interest expense | $956,000 | 3,363 |
| Net interest income | $1,405,000 | 3,726 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $357,000 | 2,741 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $333,000 | 1,288 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $1,175,000 | 3,535 |
| Salaries and employee benefits | $594,000 | 3,796 |
| Premises and equipment expense | $170,000 | 3,421 |
| Additional noninterest expense | $411,000 | 3,045 |
| Pre-tax net operating income | $512,000 | 3,679 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $172,000 | 2,826 |
| Income before extraordinary items | $340,000 | 4,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 4,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $30,000 | 3,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $340,000 | 4,073 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,962,000 | 3,431 |
| Total interest expense | $3,281,000 | 3,099 |
| Net interest income | $5,681,000 | 3,582 |
| Provision for loan and lease losses | $450,000 | 2,063 |
| Total noninterest income | $1,568,000 | 2,618 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,510,000 | 1,176 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $58,000 | 7,210 |
| Total noninterest expense | $4,634,000 | 3,442 |
| Salaries and employee benefits | $2,293,000 | 3,730 |
| Premises and equipment expense | $707,000 | 3,203 |
| Additional noninterest expense | $1,634,000 | 3,027 |
| Pre-tax net operating income | $2,165,000 | 3,502 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $729,000 | 2,747 |
| Income before extraordinary items | $1,437,000 | 3,887 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,437,000 | 3,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 1,602 |
| Cash dividends | $429,000 | 3,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,436,340 | 3,864 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,657,000 | 3,408 |
| Total interest expense | $2,363,000 | 3,067 |
| Net interest income | $4,294,000 | 3,552 |
| Provision for loan and lease losses | $375,000 | 1,807 |
| Total noninterest income | $1,199,000 | 2,583 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,141,000 | 1,161 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $3,468,000 | 3,430 |
| Salaries and employee benefits | $1,721,000 | 3,706 |
| Premises and equipment expense | $529,000 | 3,201 |
| Additional noninterest expense | $1,218,000 | 3,005 |
| Pre-tax net operating income | $1,650,000 | 3,511 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $554,000 | 2,771 |
| Income before extraordinary items | $1,097,000 | 3,911 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,097,000 | 3,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,195 |
| Cash dividends | $217,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,096,340 | 3,871 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,361,000 | 3,392 |
| Total interest expense | $1,482,000 | 3,076 |
| Net interest income | $2,879,000 | 3,513 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $796,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $761,000 | 1,128 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $2,301,000 | 3,417 |
| Salaries and employee benefits | $1,139,000 | 3,713 |
| Premises and equipment expense | $352,000 | 3,175 |
| Additional noninterest expense | $810,000 | 2,994 |
| Pre-tax net operating income | $1,074,000 | 3,534 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $357,000 | 2,782 |
| Income before extraordinary items | $718,000 | 3,924 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $718,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,953 |
| Cash dividends | $217,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $717,330 | 3,875 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 3,437 |
| Total interest expense | $696,000 | 3,134 |
| Net interest income | $1,419,000 | 3,564 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $384,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $359,000 | 1,152 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $1,148,000 | 3,440 |
| Salaries and employee benefits | $579,000 | 3,675 |
| Premises and equipment expense | $177,000 | 3,187 |
| Additional noninterest expense | $392,000 | 3,075 |
| Pre-tax net operating income | $505,000 | 3,650 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $166,000 | 2,920 |
| Income before extraordinary items | $339,000 | 4,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $339,000 | 4,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $5,000 | 3,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $339,000 | 4,001 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,086,000 | 3,385 |
| Total interest expense | $2,395,000 | 3,151 |
| Net interest income | $5,691,000 | 3,435 |
| Provision for loan and lease losses | $642,000 | 1,560 |
| Total noninterest income | $1,666,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,548,000 | 1,157 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $118,000 | 6,136 |
| Total noninterest expense | $4,541,000 | 3,385 |
| Salaries and employee benefits | $2,139,000 | 3,771 |
| Premises and equipment expense | $665,000 | 3,255 |
| Additional noninterest expense | $1,737,000 | 2,751 |
| Pre-tax net operating income | $2,174,000 | 3,328 |
| Securities gains (losses) | $-7,000 | 8,135 |
| Applicable income taxes | $667,000 | 2,847 |
| Income before extraordinary items | $1,500,000 | 3,649 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,500,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,975 |
| Cash dividends | $691,000 | 2,996 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,504,830 | 3,573 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,996,000 | 3,390 |
| Total interest expense | $1,792,000 | 3,110 |
| Net interest income | $4,204,000 | 3,455 |
| Provision for loan and lease losses | $450,000 | 1,575 |
| Total noninterest income | $1,217,000 | 2,554 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,149,000 | 1,162 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 6,593 |
| Total noninterest expense | $3,285,000 | 3,473 |
| Salaries and employee benefits | $1,577,000 | 3,805 |
| Premises and equipment expense | $489,000 | 3,310 |
| Additional noninterest expense | $1,219,000 | 2,887 |
| Pre-tax net operating income | $1,686,000 | 3,313 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $573,000 | 2,660 |
| Income before extraordinary items | $1,112,000 | 3,738 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,112,000 | 3,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,697 |
| Cash dividends | $210,000 | 3,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,112,660 | 3,660 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,919,000 | 3,435 |
| Total interest expense | $1,201,000 | 3,083 |
| Net interest income | $2,718,000 | 3,530 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $794,000 | 2,605 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $744,000 | 1,190 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $2,145,000 | 3,535 |
| Salaries and employee benefits | $1,052,000 | 3,832 |
| Premises and equipment expense | $323,000 | 3,346 |
| Additional noninterest expense | $770,000 | 3,043 |
| Pre-tax net operating income | $1,067,000 | 3,379 |
| Securities gains (losses) | $-8,000 | 8,658 |
| Applicable income taxes | $360,000 | 2,749 |
| Income before extraordinary items | $699,000 | 3,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $699,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,313 |
| Cash dividends | $10,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $704,280 | 3,745 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,961,000 | 3,445 |
| Total interest expense | $590,000 | 3,164 |
| Net interest income | $1,371,000 | 3,506 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $361,000 | 2,727 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $339,000 | 1,268 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $1,044,000 | 3,635 |
| Salaries and employee benefits | $507,000 | 3,963 |
| Premises and equipment expense | $163,000 | 3,352 |
| Additional noninterest expense | $374,000 | 3,098 |
| Pre-tax net operating income | $538,000 | 3,341 |
| Securities gains (losses) | $-8,000 | 8,893 |
| Applicable income taxes | $177,000 | 2,786 |
| Income before extraordinary items | $353,000 | 3,826 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $353,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,206 |
| Cash dividends | $10,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $358,360 | 3,677 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,342,000 | 3,326 |
| Total interest expense | $2,684,000 | 3,164 |
| Net interest income | $5,658,000 | 3,345 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $1,448,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,392,000 | 1,249 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $56,000 | 7,407 |
| Total noninterest expense | $4,261,000 | 3,515 |
| Salaries and employee benefits | $2,043,000 | 3,857 |
| Premises and equipment expense | $598,000 | 3,529 |
| Additional noninterest expense | $1,620,000 | 2,870 |
| Pre-tax net operating income | $2,245,000 | 3,119 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $726,000 | 2,725 |
| Income before extraordinary items | $1,519,000 | 3,532 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,519,000 | 3,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $801,000 | 1,096 |
| Cash dividends | $205,000 | 4,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,519,000 | 3,374 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,350,000 | 3,317 |
| Total interest expense | $2,123,000 | 3,118 |
| Net interest income | $4,227,000 | 3,365 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $1,063,000 | 3,009 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,036,000 | 1,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $3,069,000 | 3,632 |
| Salaries and employee benefits | $1,535,000 | 3,842 |
| Premises and equipment expense | $402,000 | 3,837 |
| Additional noninterest expense | $1,132,000 | 3,053 |
| Pre-tax net operating income | $1,771,000 | 3,107 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $600,000 | 2,666 |
| Income before extraordinary items | $1,171,000 | 3,568 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,171,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $630,000 | 981 |
| Cash dividends | $5,000 | 5,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,171,000 | 3,393 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,287,000 | 3,306 |
| Total interest expense | $1,480,000 | 3,090 |
| Net interest income | $2,807,000 | 3,371 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $691,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $664,000 | 1,294 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $2,010,000 | 3,685 |
| Salaries and employee benefits | $1,010,000 | 3,876 |
| Premises and equipment expense | $279,000 | 3,707 |
| Additional noninterest expense | $721,000 | 3,148 |
| Pre-tax net operating income | $1,188,000 | 3,105 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $403,000 | 2,673 |
| Income before extraordinary items | $785,000 | 3,562 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $785,000 | 3,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 900 |
| Cash dividends | $5,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $785,000 | 3,363 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,167,000 | 3,295 |
| Total interest expense | $745,000 | 3,142 |
| Net interest income | $1,422,000 | 3,313 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $327,000 | 3,064 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $306,000 | 1,356 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $1,020,000 | 3,596 |
| Salaries and employee benefits | $514,000 | 3,825 |
| Premises and equipment expense | $140,000 | 3,695 |
| Additional noninterest expense | $366,000 | 3,078 |
| Pre-tax net operating income | $579,000 | 3,157 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $193,000 | 2,760 |
| Income before extraordinary items | $386,000 | 3,557 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $386,000 | 3,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,059 |
| Cash dividends | $5,000 | 3,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $386,000 | 3,372 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,161,000 | 3,252 |
| Total interest expense | $3,495,000 | 3,100 |
| Net interest income | $5,666,000 | 3,293 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $982,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $875,000 | 1,840 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $107,000 | 6,305 |
| Total noninterest expense | $3,822,000 | 3,689 |
| Salaries and employee benefits | $1,904,000 | 3,904 |
| Premises and equipment expense | $553,000 | 3,651 |
| Additional noninterest expense | $1,365,000 | 3,213 |
| Pre-tax net operating income | $2,226,000 | 3,166 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $714,000 | 2,806 |
| Income before extraordinary items | $1,517,000 | 3,468 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,517,000 | 3,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,555 |
| Cash dividends | $988,000 | 2,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,513,600 | 3,375 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,301,000 | 3,227 |
| Total interest expense | $5,339,000 | 2,978 |
| Net interest income | $4,962,000 | 3,448 |
| Provision for loan and lease losses | $475,000 | 2,312 |
| Total noninterest income | $934,000 | 3,496 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $848,000 | 1,790 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $86,000 | 6,743 |
| Total noninterest expense | $3,431,000 | 3,889 |
| Salaries and employee benefits | $1,667,000 | 4,170 |
| Premises and equipment expense | $497,000 | 3,888 |
| Additional noninterest expense | $1,267,000 | 3,327 |
| Pre-tax net operating income | $1,990,000 | 3,181 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $635,000 | 2,866 |
| Income before extraordinary items | $1,355,000 | 3,489 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,355,000 | 3,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $449,000 | 1,679 |
| Cash dividends | $40,000 | 6,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,355,000 | 3,389 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,051,000 | 3,708 |
| Total interest expense | $4,750,000 | 3,469 |
| Net interest income | $4,301,000 | 3,941 |
| Provision for loan and lease losses | $280,000 | 3,006 |
| Total noninterest income | $798,000 | 3,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $737,000 | 1,882 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,442 |
| Total noninterest expense | $3,100,000 | 4,121 |
| Salaries and employee benefits | $1,475,000 | 4,420 |
| Premises and equipment expense | $486,000 | 3,877 |
| Additional noninterest expense | $1,139,000 | 3,605 |
| Pre-tax net operating income | $1,719,000 | 3,674 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $583,000 | 3,170 |
| Income before extraordinary items | $1,136,000 | 4,014 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,136,000 | 4,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,555 |
| Cash dividends | $918,000 | 2,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,136,000 | 4,006 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,799,000 | 4,509 |
| Total interest expense | $3,198,000 | 4,351 |
| Net interest income | $3,601,000 | 4,552 |
| Provision for loan and lease losses | $215,000 | 3,402 |
| Total noninterest income | $652,000 | 4,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $600,000 | 2,232 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $2,540,000 | 4,825 |
| Salaries and employee benefits | $1,266,000 | 4,969 |
| Premises and equipment expense | $381,000 | 4,692 |
| Additional noninterest expense | $893,000 | 4,406 |
| Pre-tax net operating income | $1,498,000 | 4,093 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $507,000 | 3,613 |
| Income before extraordinary items | $991,000 | 4,459 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $991,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,770 |
| Cash dividends | $70,000 | 6,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $991,000 | 4,422 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 5,255 |
| Total interest expense | $2,818,000 | 4,944 |
| Net interest income | $2,754,000 | 5,478 |
| Provision for loan and lease losses | $207,000 | 3,445 |
| Total noninterest income | $398,000 | 5,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,294 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,437 |
| Total noninterest expense | $2,038,000 | 5,526 |
| Salaries and employee benefits | $1,006,000 | 5,774 |
| Premises and equipment expense | $285,000 | 5,544 |
| Additional noninterest expense | $747,000 | 4,910 |
| Pre-tax net operating income | $907,000 | 5,705 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $282,000 | 5,342 |
| Income before extraordinary items | $628,000 | 5,916 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $628,000 | 5,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $26,000 | 7,192 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 485 |
| Net operating income | $625,930 | 5,835 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 7,167 |
| Total interest expense | $1,680,000 | 6,925 |
| Net interest income | $1,819,000 | 7,275 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $246,000 | 7,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 4,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,305 |
| Total noninterest expense | $1,360,000 | 7,144 |
| Salaries and employee benefits | $681,000 | 7,433 |
| Premises and equipment expense | $185,000 | 7,111 |
| Additional noninterest expense | $494,000 | 6,544 |
| Pre-tax net operating income | $570,000 | 7,559 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $185,000 | 7,103 |
| Income before extraordinary items | $385,000 | 7,741 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $385,000 | 7,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $385,000 | 7,687 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $768,000 | 11,056 |
| Total interest expense | $286,000 | 11,102 |
| Net interest income | $482,000 | 10,930 |
| Provision for loan and lease losses | $64,000 | 6,010 |
| Total noninterest income | $47,000 | 10,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,975 |
| Total noninterest expense | $846,000 | 9,258 |
| Salaries and employee benefits | $510,000 | 8,795 |
| Premises and equipment expense | $72,000 | 10,016 |
| Additional noninterest expense | $264,000 | 9,251 |
| Pre-tax net operating income | $-381,000 | 11,187 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-116,000 | 11,194 |
| Income before extraordinary items | $-265,000 | 11,155 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-265,000 | 11,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,992,000 | 155 |
| Net operating income | $-265,000 | 11,121 |
* 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.