Home > Citizens Bank of Spencer, Tenn. > Income and Expense
Citizens Bank of Spencer, Tenn., Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,078,000 | 6,454 |
| Total interest expense | $277,000 | 5,884 |
| Net interest income | $801,000 | 6,543 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $93,000 | 5,944 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $57,000 | 5,351 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 5,786 |
| Total noninterest expense | $850,000 | 6,194 |
| Salaries and employee benefits | $249,000 | 6,999 |
| Premises and equipment expense | $76,000 | 6,490 |
| Additional noninterest expense | $525,000 | 4,873 |
| Pre-tax net operating income | $44,000 | 5,972 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $44,000 | 6,041 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $44,000 | 6,040 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $44,000 | 6,041 |
| Net charge-offs | $13,000 | 5,250 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $44,000 | 5,960 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $540,000 | 6,490 |
| Total interest expense | $147,000 | 5,872 |
| Net interest income | $393,000 | 6,593 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $44,000 | 6,090 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $24,000 | 5,566 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 5,800 |
| Total noninterest expense | $400,000 | 6,344 |
| Salaries and employee benefits | $126,000 | 7,037 |
| Premises and equipment expense | $42,000 | 6,408 |
| Additional noninterest expense | $232,000 | 5,190 |
| Pre-tax net operating income | $37,000 | 5,919 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $37,000 | 5,895 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $37,000 | 5,894 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $37,000 | 5,895 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $37,000 | 5,866 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,482,000 | 6,391 |
| Total interest expense | $605,000 | 6,244 |
| Net interest income | $1,877,000 | 6,345 |
| Provision for loan and lease losses | $1,978,000 | 2,091 |
| Total noninterest income | $504,000 | 4,549 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $123,000 | 5,223 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $381,000 | 3,591 |
| Total noninterest expense | $1,605,000 | 6,406 |
| Salaries and employee benefits | $553,000 | 7,022 |
| Premises and equipment expense | $155,000 | 6,585 |
| Additional noninterest expense | $897,000 | 5,362 |
| Pre-tax net operating income | $-1,202,000 | 6,560 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $25,000 | 3,929 |
| Income before extraordinary items | $-1,227,000 | 6,668 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,227,000 | 6,669 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,227,000 | 6,669 |
| Net charge-offs | $1,735,000 | 2,021 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,227,000 | 6,639 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,964,000 | 6,410 |
| Total interest expense | $453,000 | 6,383 |
| Net interest income | $1,511,000 | 6,327 |
| Provision for loan and lease losses | $1,646,000 | 1,866 |
| Total noninterest income | $362,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $91,000 | 5,306 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $271,000 | 3,703 |
| Total noninterest expense | $1,140,000 | 6,554 |
| Salaries and employee benefits | $475,000 | 6,901 |
| Premises and equipment expense | $123,000 | 6,591 |
| Additional noninterest expense | $542,000 | 5,879 |
| Pre-tax net operating income | $-913,000 | 6,755 |
| Securities gains (losses) | $74,000 | 2,178 |
| Applicable income taxes | $31,000 | 3,819 |
| Income before extraordinary items | $-870,000 | 6,851 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-870,000 | 6,851 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-870,000 | 6,851 |
| Net charge-offs | $1,623,000 | 1,706 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-944,000 | 6,830 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,370,000 | 6,361 |
| Total interest expense | $304,000 | 6,471 |
| Net interest income | $1,066,000 | 6,235 |
| Provision for loan and lease losses | $1,646,000 | 1,439 |
| Total noninterest income | $313,000 | 4,183 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $59,000 | 5,365 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $254,000 | 3,104 |
| Total noninterest expense | $714,000 | 6,698 |
| Salaries and employee benefits | $307,000 | 6,992 |
| Premises and equipment expense | $83,000 | 6,614 |
| Additional noninterest expense | $324,000 | 6,125 |
| Pre-tax net operating income | $-981,000 | 7,003 |
| Securities gains (losses) | $69,000 | 1,672 |
| Applicable income taxes | $31,000 | 3,560 |
| Income before extraordinary items | $-943,000 | 7,068 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-943,000 | 7,067 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-943,000 | 7,068 |
| Net charge-offs | $1,651,000 | 1,298 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,012,000 | 7,074 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $618,000 | 6,631 |
| Total interest expense | $150,000 | 6,606 |
| Net interest income | $468,000 | 6,550 |
| Provision for loan and lease losses | $1,598,000 | 865 |
| Total noninterest income | $63,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $26,000 | 5,562 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $37,000 | 5,161 |
| Total noninterest expense | $355,000 | 6,797 |
| Salaries and employee benefits | $143,000 | 7,199 |
| Premises and equipment expense | $46,000 | 6,540 |
| Additional noninterest expense | $166,000 | 6,123 |
| Pre-tax net operating income | $-1,422,000 | 7,506 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $21,000 | 3,422 |
| Income before extraordinary items | $-1,443,000 | 7,564 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,443,000 | 7,565 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,443,000 | 7,565 |
| Net charge-offs | $1,593,000 | 760 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,443,000 | 7,557 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,559,000 | 6,643 |
| Total interest expense | $690,000 | 6,711 |
| Net interest income | $1,869,000 | 6,489 |
| Provision for loan and lease losses | $3,638,000 | 1,758 |
| Total noninterest income | $302,000 | 5,590 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $135,000 | 5,315 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $167,000 | 4,940 |
| Total noninterest expense | $1,580,000 | 6,687 |
| Salaries and employee benefits | $631,000 | 7,131 |
| Premises and equipment expense | $142,000 | 7,007 |
| Additional noninterest expense | $807,000 | 5,813 |
| Pre-tax net operating income | $-3,047,000 | 6,902 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-522,000 | 7,050 |
| Income before extraordinary items | $-2,525,000 | 6,896 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,525,000 | 6,895 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,525,000 | 6,896 |
| Net charge-offs | $3,175,000 | 1,544 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,525,000 | 6,900 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 6,608 |
| Total interest expense | $521,000 | 6,818 |
| Net interest income | $1,508,000 | 6,362 |
| Provision for loan and lease losses | $150,000 | 5,500 |
| Total noninterest income | $259,000 | 5,455 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $107,000 | 5,274 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $152,000 | 4,737 |
| Total noninterest expense | $1,074,000 | 6,911 |
| Salaries and employee benefits | $493,000 | 7,101 |
| Premises and equipment expense | $108,000 | 7,037 |
| Additional noninterest expense | $473,000 | 6,379 |
| Pre-tax net operating income | $543,000 | 3,769 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $181,000 | 2,423 |
| Income before extraordinary items | $362,000 | 4,185 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $362,000 | 4,180 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $362,000 | 4,183 |
| Net charge-offs | $224,000 | 4,125 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $362,000 | 4,102 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 6,653 |
| Total interest expense | $361,000 | 6,874 |
| Net interest income | $1,012,000 | 6,367 |
| Provision for loan and lease losses | $150,000 | 4,729 |
| Total noninterest income | $182,000 | 5,379 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $71,000 | 5,271 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $111,000 | 4,607 |
| Total noninterest expense | $715,000 | 6,971 |
| Salaries and employee benefits | $330,000 | 7,172 |
| Premises and equipment expense | $72,000 | 7,096 |
| Additional noninterest expense | $313,000 | 6,412 |
| Pre-tax net operating income | $329,000 | 4,015 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $110,000 | 2,544 |
| Income before extraordinary items | $219,000 | 4,428 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $219,000 | 4,425 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $219,000 | 4,425 |
| Net charge-offs | $196,000 | 3,439 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $219,000 | 4,311 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $677,000 | 6,721 |
| Total interest expense | $176,000 | 6,998 |
| Net interest income | $501,000 | 6,401 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $129,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $93,000 | 3,770 |
| Total noninterest expense | $359,000 | 6,941 |
| Salaries and employee benefits | $165,000 | 7,208 |
| Premises and equipment expense | $35,000 | 7,168 |
| Additional noninterest expense | $159,000 | 6,169 |
| Pre-tax net operating income | $171,000 | 4,294 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $54,000 | 2,811 |
| Income before extraordinary items | $117,000 | 4,725 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $117,000 | 4,729 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $117,000 | 4,728 |
| Net charge-offs | $96,000 | 2,912 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $117,000 | 4,561 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,718,000 | 6,806 |
| Total interest expense | $826,000 | 7,087 |
| Net interest income | $1,892,000 | 6,543 |
| Provision for loan and lease losses | $107,000 | 5,975 |
| Total noninterest income | $281,000 | 5,931 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $152,000 | 5,293 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $129,000 | 5,550 |
| Total noninterest expense | $1,459,000 | 6,924 |
| Salaries and employee benefits | $644,000 | 7,299 |
| Premises and equipment expense | $161,000 | 7,041 |
| Additional noninterest expense | $654,000 | 6,005 |
| Pre-tax net operating income | $607,000 | 4,598 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $199,000 | 2,821 |
| Income before extraordinary items | $408,000 | 4,726 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $408,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 4,522 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $408,000 | 4,899 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 6,888 |
| Total interest expense | $633,000 | 7,157 |
| Net interest income | $1,390,000 | 6,640 |
| Provision for loan and lease losses | $32,000 | 6,239 |
| Total noninterest income | $192,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $129,000 | 5,104 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $63,000 | 6,297 |
| Total noninterest expense | $1,087,000 | 6,946 |
| Salaries and employee benefits | $475,000 | 7,341 |
| Premises and equipment expense | $117,000 | 7,149 |
| Additional noninterest expense | $495,000 | 5,931 |
| Pre-tax net operating income | $463,000 | 5,055 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $166,000 | 3,115 |
| Income before extraordinary items | $297,000 | 5,227 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $297,000 | 5,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,609 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $297,000 | 5,411 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 6,995 |
| Total interest expense | $434,000 | 7,228 |
| Net interest income | $896,000 | 6,729 |
| Provision for loan and lease losses | $32,000 | 5,548 |
| Total noninterest income | $114,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $79,000 | 5,271 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $35,000 | 6,595 |
| Total noninterest expense | $717,000 | 7,021 |
| Salaries and employee benefits | $317,000 | 7,404 |
| Premises and equipment expense | $84,000 | 7,047 |
| Additional noninterest expense | $316,000 | 6,051 |
| Pre-tax net operating income | $261,000 | 5,448 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $94,000 | 3,510 |
| Income before extraordinary items | $167,000 | 5,851 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $167,000 | 5,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,454 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $167,000 | 5,795 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $656,000 | 7,111 |
| Total interest expense | $219,000 | 7,352 |
| Net interest income | $437,000 | 6,833 |
| Provision for loan and lease losses | $32,000 | 4,306 |
| Total noninterest income | $48,000 | 6,727 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $33,000 | 5,550 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,825 |
| Total noninterest expense | $384,000 | 6,910 |
| Salaries and employee benefits | $160,000 | 7,423 |
| Premises and equipment expense | $35,000 | 7,353 |
| Additional noninterest expense | $189,000 | 5,526 |
| Pre-tax net operating income | $69,000 | 6,372 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $26,000 | 4,162 |
| Income before extraordinary items | $43,000 | 6,677 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $43,000 | 6,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,284 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $43,000 | 6,582 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,431,000 | 7,269 |
| Total interest expense | $747,000 | 7,574 |
| Net interest income | $1,684,000 | 6,899 |
| Provision for loan and lease losses | $40,000 | 5,854 |
| Total noninterest income | $268,000 | 6,254 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $151,000 | 5,412 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $117,000 | 5,981 |
| Total noninterest expense | $1,299,000 | 7,212 |
| Salaries and employee benefits | $599,000 | 7,545 |
| Premises and equipment expense | $109,000 | 7,650 |
| Additional noninterest expense | $591,000 | 6,155 |
| Pre-tax net operating income | $613,000 | 5,658 |
| Securities gains (losses) | $4,000 | 1,644 |
| Applicable income taxes | $133,000 | 4,244 |
| Income before extraordinary items | $484,000 | 5,736 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $484,000 | 5,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,742 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $-447,000 | 8,475 |
| Net operating income | $480,880 | 5,737 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 7,332 |
| Total interest expense | $534,000 | 7,676 |
| Net interest income | $1,252,000 | 6,951 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $193,000 | 6,372 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $109,000 | 5,489 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $84,000 | 6,082 |
| Total noninterest expense | $937,000 | 7,267 |
| Salaries and employee benefits | $434,000 | 7,575 |
| Premises and equipment expense | $87,000 | 7,570 |
| Additional noninterest expense | $416,000 | 6,288 |
| Pre-tax net operating income | $508,000 | 5,740 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $180,000 | 3,840 |
| Income before extraordinary items | $332,000 | 6,149 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $332,000 | 6,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,530 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $-447,000 | 8,515 |
| Net operating income | $329,400 | 6,159 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,171,000 | 7,406 |
| Total interest expense | $344,000 | 7,751 |
| Net interest income | $827,000 | 7,016 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $120,000 | 6,538 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $46,000 | 6,404 |
| Total noninterest expense | $635,000 | 7,279 |
| Salaries and employee benefits | $293,000 | 7,607 |
| Premises and equipment expense | $62,000 | 7,522 |
| Additional noninterest expense | $280,000 | 6,295 |
| Pre-tax net operating income | $312,000 | 5,957 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $109,000 | 4,035 |
| Income before extraordinary items | $207,000 | 6,323 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $207,000 | 6,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,912 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $-448,000 | 8,585 |
| Net operating income | $204,360 | 6,336 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $570,000 | 7,485 |
| Total interest expense | $166,000 | 7,825 |
| Net interest income | $404,000 | 7,075 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $55,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $39,000 | 5,359 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $323,000 | 7,281 |
| Salaries and employee benefits | $151,000 | 7,594 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $142,000 | 6,273 |
| Pre-tax net operating income | $136,000 | 6,220 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $50,000 | 4,122 |
| Income before extraordinary items | $90,000 | 6,548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $90,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,637 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $87,440 | 6,582 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 7,465 |
| Total interest expense | $545,000 | 7,834 |
| Net interest income | $1,542,000 | 7,128 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $374,000 | 5,746 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $158,000 | 5,424 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $216,000 | 4,969 |
| Total noninterest expense | $1,289,000 | 7,250 |
| Salaries and employee benefits | $580,000 | 7,649 |
| Premises and equipment expense | $148,000 | 7,280 |
| Additional noninterest expense | $561,000 | 6,254 |
| Pre-tax net operating income | $507,000 | 6,460 |
| Securities gains (losses) | $-29,000 | 7,704 |
| Applicable income taxes | $141,000 | 4,677 |
| Income before extraordinary items | $337,000 | 6,756 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $337,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,999 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $357,590 | 6,686 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 7,542 |
| Total interest expense | $390,000 | 7,903 |
| Net interest income | $1,153,000 | 7,210 |
| Provision for loan and lease losses | $120,000 | 3,815 |
| Total noninterest income | $313,000 | 5,546 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $122,000 | 5,437 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $191,000 | 4,625 |
| Total noninterest expense | $916,000 | 7,346 |
| Salaries and employee benefits | $434,000 | 7,642 |
| Premises and equipment expense | $100,000 | 7,462 |
| Additional noninterest expense | $382,000 | 6,503 |
| Pre-tax net operating income | $430,000 | 6,498 |
| Securities gains (losses) | $-33,000 | 8,024 |
| Applicable income taxes | $142,000 | 4,527 |
| Income before extraordinary items | $255,000 | 6,951 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $255,000 | 6,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $276,120 | 6,840 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 7,539 |
| Total interest expense | $252,000 | 7,927 |
| Net interest income | $788,000 | 7,205 |
| Provision for loan and lease losses | $35,000 | 4,878 |
| Total noninterest income | $211,000 | 5,512 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $81,000 | 5,450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 4,581 |
| Total noninterest expense | $604,000 | 7,410 |
| Salaries and employee benefits | $290,000 | 7,691 |
| Premises and equipment expense | $52,000 | 7,803 |
| Additional noninterest expense | $262,000 | 6,454 |
| Pre-tax net operating income | $360,000 | 6,100 |
| Securities gains (losses) | $-33,000 | 8,240 |
| Applicable income taxes | $102,000 | 4,492 |
| Income before extraordinary items | $225,000 | 6,549 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $225,000 | 6,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,960 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $247,770 | 6,408 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $532,000 | 7,490 |
| Total interest expense | $123,000 | 7,921 |
| Net interest income | $409,000 | 7,160 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $58,000 | 6,685 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $36,000 | 5,597 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $325,000 | 7,273 |
| Salaries and employee benefits | $147,000 | 7,678 |
| Premises and equipment expense | $26,000 | 7,811 |
| Additional noninterest expense | $152,000 | 6,015 |
| Pre-tax net operating income | $142,000 | 6,518 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $56,000 | 4,357 |
| Income before extraordinary items | $86,000 | 6,955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 6,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,059 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $86,000 | 6,953 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 7,502 |
| Total interest expense | $410,000 | 7,858 |
| Net interest income | $1,535,000 | 7,249 |
| Provision for loan and lease losses | $67,000 | 5,348 |
| Total noninterest income | $377,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $135,000 | 5,814 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $242,000 | 4,803 |
| Total noninterest expense | $1,143,000 | 7,494 |
| Salaries and employee benefits | $542,000 | 7,784 |
| Premises and equipment expense | $118,000 | 7,660 |
| Additional noninterest expense | $483,000 | 6,677 |
| Pre-tax net operating income | $702,000 | 6,142 |
| Securities gains (losses) | $-99,000 | 8,421 |
| Applicable income taxes | $167,000 | 4,892 |
| Income before extraordinary items | $436,000 | 6,622 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $436,000 | 6,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,966 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $507,280 | 6,315 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 7,526 |
| Total interest expense | $309,000 | 7,844 |
| Net interest income | $1,148,000 | 7,295 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $339,000 | 5,500 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $119,000 | 5,541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $220,000 | 4,401 |
| Total noninterest expense | $911,000 | 7,370 |
| Salaries and employee benefits | $411,000 | 7,737 |
| Premises and equipment expense | $78,000 | 7,820 |
| Additional noninterest expense | $422,000 | 6,219 |
| Pre-tax net operating income | $549,000 | 6,208 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $184,000 | 4,533 |
| Income before extraordinary items | $368,000 | 6,553 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $368,000 | 6,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,434 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $365,990 | 6,524 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $970,000 | 7,513 |
| Total interest expense | $198,000 | 7,842 |
| Net interest income | $772,000 | 7,286 |
| Provision for loan and lease losses | $27,000 | 5,411 |
| Total noninterest income | $264,000 | 5,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $77,000 | 5,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $187,000 | 3,882 |
| Total noninterest expense | $573,000 | 7,490 |
| Salaries and employee benefits | $278,000 | 7,723 |
| Premises and equipment expense | $54,000 | 7,770 |
| Additional noninterest expense | $241,000 | 6,641 |
| Pre-tax net operating income | $436,000 | 5,770 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $141,000 | 4,350 |
| Income before extraordinary items | $300,000 | 6,121 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $300,000 | 6,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,940 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $296,600 | 6,101 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $479,000 | 7,581 |
| Total interest expense | $96,000 | 7,901 |
| Net interest income | $383,000 | 7,350 |
| Provision for loan and lease losses | $27,000 | 4,321 |
| Total noninterest income | $212,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $212,000 | 2,395 |
| Total noninterest expense | $279,000 | 7,597 |
| Salaries and employee benefits | $139,000 | 7,789 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $289,000 | 5,091 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $117,000 | 3,511 |
| Income before extraordinary items | $176,000 | 5,725 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $176,000 | 5,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,462 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $173,440 | 5,733 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 7,572 |
| Total interest expense | $376,000 | 7,782 |
| Net interest income | $1,432,000 | 7,416 |
| Provision for loan and lease losses | $112,000 | 4,824 |
| Total noninterest income | $214,000 | 7,034 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $214,000 | 4,972 |
| Total noninterest expense | $1,142,000 | 7,543 |
| Salaries and employee benefits | $537,000 | 7,886 |
| Premises and equipment expense | $116,000 | 7,765 |
| Additional noninterest expense | $489,000 | 6,615 |
| Pre-tax net operating income | $392,000 | 7,112 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $87,000 | 5,654 |
| Income before extraordinary items | $304,000 | 7,210 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $304,000 | 7,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,312 |
| Cash dividends | $106,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $304,780 | 7,155 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,338,000 | 7,639 |
| Total interest expense | $282,000 | 7,809 |
| Net interest income | $1,056,000 | 7,464 |
| Provision for loan and lease losses | $48,000 | 5,435 |
| Total noninterest income | $156,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $156,000 | 5,039 |
| Total noninterest expense | $832,000 | 7,578 |
| Salaries and employee benefits | $404,000 | 7,830 |
| Premises and equipment expense | $77,000 | 7,932 |
| Additional noninterest expense | $351,000 | 6,713 |
| Pre-tax net operating income | $332,000 | 7,034 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $104,000 | 5,297 |
| Income before extraordinary items | $227,000 | 7,319 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $227,000 | 7,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,301 |
| Cash dividends | $106,000 | 4,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $227,690 | 7,256 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $879,000 | 7,706 |
| Total interest expense | $187,000 | 7,870 |
| Net interest income | $692,000 | 7,528 |
| Provision for loan and lease losses | $48,000 | 4,777 |
| Total noninterest income | $104,000 | 7,155 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $104,000 | 5,095 |
| Total noninterest expense | $549,000 | 7,637 |
| Salaries and employee benefits | $271,000 | 7,883 |
| Premises and equipment expense | $51,000 | 7,970 |
| Additional noninterest expense | $227,000 | 6,828 |
| Pre-tax net operating income | $199,000 | 7,194 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $72,000 | 5,247 |
| Income before extraordinary items | $127,000 | 7,525 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,596 |
| Cash dividends | $106,000 | 4,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $127,000 | 7,457 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $426,000 | 7,798 |
| Total interest expense | $93,000 | 7,953 |
| Net interest income | $333,000 | 7,640 |
| Provision for loan and lease losses | $13,000 | 5,421 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $48,000 | 5,207 |
| Total noninterest expense | $291,000 | 7,569 |
| Salaries and employee benefits | $138,000 | 7,872 |
| Premises and equipment expense | $27,000 | 7,911 |
| Additional noninterest expense | $126,000 | 6,532 |
| Pre-tax net operating income | $77,000 | 7,512 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $53,000 | 7,729 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $53,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,799 |
| Cash dividends | $106,000 | 2,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $53,000 | 7,661 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,721,000 | 7,848 |
| Total interest expense | $404,000 | 8,101 |
| Net interest income | $1,317,000 | 7,634 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $224,000 | 7,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $153,000 | 5,820 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $71,000 | 7,063 |
| Total noninterest expense | $1,101,000 | 7,670 |
| Salaries and employee benefits | $553,000 | 7,884 |
| Premises and equipment expense | $101,000 | 8,054 |
| Additional noninterest expense | $447,000 | 6,868 |
| Pre-tax net operating income | $440,000 | 6,883 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $126,000 | 5,481 |
| Income before extraordinary items | $318,000 | 7,187 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $318,000 | 7,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,047 |
| Cash dividends | $84,000 | 5,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $315,120 | 7,063 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,299,000 | 7,935 |
| Total interest expense | $312,000 | 8,184 |
| Net interest income | $987,000 | 7,693 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $162,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $117,000 | 5,833 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 7,365 |
| Total noninterest expense | $823,000 | 7,669 |
| Salaries and employee benefits | $426,000 | 7,794 |
| Premises and equipment expense | $66,000 | 8,261 |
| Additional noninterest expense | $331,000 | 6,884 |
| Pre-tax net operating income | $326,000 | 7,037 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $91,000 | 5,677 |
| Income before extraordinary items | $239,000 | 7,335 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $239,000 | 7,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $84,000 | 4,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $236,120 | 7,188 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $867,000 | 7,988 |
| Total interest expense | $212,000 | 8,255 |
| Net interest income | $655,000 | 7,720 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $106,000 | 7,290 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $75,000 | 5,891 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $551,000 | 7,691 |
| Salaries and employee benefits | $288,000 | 7,788 |
| Premises and equipment expense | $43,000 | 8,290 |
| Additional noninterest expense | $220,000 | 6,898 |
| Pre-tax net operating income | $210,000 | 7,127 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $59,000 | 5,754 |
| Income before extraordinary items | $155,000 | 7,399 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $155,000 | 7,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $84,000 | 4,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $152,120 | 7,250 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $435,000 | 8,030 |
| Total interest expense | $106,000 | 8,351 |
| Net interest income | $329,000 | 7,739 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $268,000 | 7,767 |
| Salaries and employee benefits | $142,000 | 7,865 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $99,000 | 7,172 |
| Pre-tax net operating income | $109,000 | 7,056 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $33,000 | 5,621 |
| Income before extraordinary items | $76,000 | 7,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $76,000 | 7,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $84,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $76,000 | 7,217 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 8,122 |
| Total interest expense | $498,000 | 8,383 |
| Net interest income | $1,257,000 | 7,825 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $260,000 | 6,775 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $134,000 | 6,059 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,962 |
| Total noninterest expense | $1,125,000 | 7,660 |
| Salaries and employee benefits | $526,000 | 8,032 |
| Premises and equipment expense | $75,000 | 8,522 |
| Additional noninterest expense | $524,000 | 6,369 |
| Pre-tax net operating income | $377,000 | 7,261 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $59,000 | 6,416 |
| Income before extraordinary items | $318,000 | 7,232 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $318,000 | 7,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,865 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $318,000 | 7,132 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,898,000 | 8,323 |
| Total interest expense | $900,000 | 8,215 |
| Net interest income | $998,000 | 8,291 |
| Provision for loan and lease losses | $96,000 | 5,687 |
| Total noninterest income | $316,000 | 6,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $162,000 | 5,640 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $154,000 | 5,501 |
| Total noninterest expense | $962,000 | 8,066 |
| Salaries and employee benefits | $490,000 | 8,229 |
| Premises and equipment expense | $66,000 | 8,862 |
| Additional noninterest expense | $406,000 | 7,098 |
| Pre-tax net operating income | $256,000 | 7,613 |
| Securities gains (losses) | $93,000 | 1,809 |
| Applicable income taxes | $79,000 | 6,281 |
| Income before extraordinary items | $270,000 | 7,313 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $270,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,825 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $198,390 | 7,634 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 8,425 |
| Total interest expense | $939,000 | 8,359 |
| Net interest income | $1,044,000 | 8,396 |
| Provision for loan and lease losses | $305,000 | 2,790 |
| Total noninterest income | $321,000 | 6,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 5,672 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,249 |
| Total noninterest expense | $905,000 | 8,288 |
| Salaries and employee benefits | $460,000 | 8,447 |
| Premises and equipment expense | $64,000 | 9,098 |
| Additional noninterest expense | $381,000 | 7,300 |
| Pre-tax net operating income | $156,000 | 8,569 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-92,000 | 9,572 |
| Income before extraordinary items | $248,000 | 7,789 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $248,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,840 |
| Cash dividends | $42,000 | 6,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $248,000 | 7,796 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 8,543 |
| Total interest expense | $899,000 | 8,442 |
| Net interest income | $1,069,000 | 8,473 |
| Provision for loan and lease losses | $665,000 | 1,376 |
| Total noninterest income | $340,000 | 6,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,515 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $229,000 | 4,627 |
| Total noninterest expense | $883,000 | 8,480 |
| Salaries and employee benefits | $362,000 | 9,113 |
| Premises and equipment expense | $67,000 | 9,293 |
| Additional noninterest expense | $454,000 | 6,875 |
| Pre-tax net operating income | $-139,000 | 9,565 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-37,000 | 9,782 |
| Income before extraordinary items | $-102,000 | 9,578 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-102,000 | 9,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 1,477 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-102,000 | 9,556 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 8,709 |
| Total interest expense | $904,000 | 8,678 |
| Net interest income | $1,081,000 | 8,609 |
| Provision for loan and lease losses | $115,000 | 4,832 |
| Total noninterest income | $356,000 | 5,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 6,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,439 |
| Total noninterest expense | $895,000 | 8,448 |
| Salaries and employee benefits | $356,000 | 9,253 |
| Premises and equipment expense | $71,000 | 9,346 |
| Additional noninterest expense | $468,000 | 6,666 |
| Pre-tax net operating income | $427,000 | 7,728 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $56,000 | 8,229 |
| Income before extraordinary items | $371,000 | 7,405 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $371,000 | 7,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,454 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $371,000 | 7,329 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,063,000 | 8,923 |
| Total interest expense | $910,000 | 8,938 |
| Net interest income | $1,153,000 | 8,798 |
| Provision for loan and lease losses | $385,000 | 2,165 |
| Total noninterest income | $451,000 | 5,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $930,000 | 8,581 |
| Salaries and employee benefits | $317,000 | 9,830 |
| Premises and equipment expense | $54,000 | 10,109 |
| Additional noninterest expense | $559,000 | 6,054 |
| Pre-tax net operating income | $286,000 | 9,073 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $140,000 | 7,754 |
| Income before extraordinary items | $150,000 | 9,588 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $150,000 | 9,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,103 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $147,440 | 9,567 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 9,490 |
| Total interest expense | $841,000 | 9,507 |
| Net interest income | $1,076,000 | 9,350 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $467,000 | 5,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 3,675 |
| Total noninterest expense | $924,000 | 8,994 |
| Salaries and employee benefits | $311,000 | 10,266 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $553,000 | 6,657 |
| Pre-tax net operating income | $514,000 | 7,859 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $140,000 | 8,024 |
| Income before extraordinary items | $374,000 | 7,835 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $374,000 | 7,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $374,000 | 7,772 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 10,166 |
| Total interest expense | $740,000 | 10,160 |
| Net interest income | $968,000 | 10,031 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $451,000 | 5,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,818 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $352,000 | 3,597 |
| Total noninterest expense | $822,000 | 9,676 |
| Salaries and employee benefits | $293,000 | 10,811 |
| Premises and equipment expense | $62,000 | 10,713 |
| Additional noninterest expense | $467,000 | 7,543 |
| Pre-tax net operating income | $575,000 | 8,022 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $162,000 | 8,063 |
| Income before extraordinary items | $412,000 | 7,948 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $412,000 | 7,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $30,000 | 8,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $412,720 | 7,912 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 10,757 |
| Total interest expense | $532,000 | 10,949 |
| Net interest income | $954,000 | 10,539 |
| Provision for loan and lease losses | $26,000 | 7,364 |
| Total noninterest income | $415,000 | 6,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $314,000 | 3,958 |
| Total noninterest expense | $806,000 | 10,226 |
| Salaries and employee benefits | $279,000 | 11,396 |
| Premises and equipment expense | $42,000 | 11,924 |
| Additional noninterest expense | $485,000 | 8,002 |
| Pre-tax net operating income | $537,000 | 8,404 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $162,000 | 8,073 |
| Income before extraordinary items | $372,000 | 8,440 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $372,000 | 8,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $374,100 | 8,464 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,442,000 | 11,360 |
| Total interest expense | $477,000 | 11,793 |
| Net interest income | $965,000 | 10,907 |
| Provision for loan and lease losses | $127,000 | 5,073 |
| Total noninterest income | $371,000 | 6,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,789 |
| Total noninterest expense | $833,000 | 10,506 |
| Salaries and employee benefits | $262,000 | 12,063 |
| Premises and equipment expense | $43,000 | 12,433 |
| Additional noninterest expense | $528,000 | 7,967 |
| Pre-tax net operating income | $376,000 | 9,611 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $132,000 | 9,038 |
| Income before extraordinary items | $244,000 | 10,115 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $244,000 | 10,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,529 |
| Cash dividends | $80,000 | 7,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $244,000 | 9,869 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 12,132 |
| Total interest expense | $518,000 | 12,687 |
| Net interest income | $909,000 | 11,472 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $312,000 | 7,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 5,329 |
| Total noninterest expense | $669,000 | 11,684 |
| Salaries and employee benefits | $263,000 | 12,461 |
| Premises and equipment expense | $37,000 | 13,172 |
| Additional noninterest expense | $369,000 | 9,960 |
| Pre-tax net operating income | $492,000 | 8,461 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $154,000 | 8,513 |
| Income before extraordinary items | $340,000 | 8,821 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $340,000 | 8,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $338,620 | 8,472 |
* 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.