Home > Citizens Bank & Trust Company > Income and Expense
Citizens Bank & Trust Company, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,528,000 | 4,772 |
| Total interest expense | $559,000 | 5,191 |
| Net interest income | $2,969,000 | 4,591 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $926,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $504,000 | 2,064 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $422,000 | 2,946 |
| Total noninterest expense | $3,044,000 | 4,076 |
| Salaries and employee benefits | $1,697,000 | 3,843 |
| Premises and equipment expense | $306,000 | 4,571 |
| Additional noninterest expense | $1,041,000 | 4,064 |
| Pre-tax net operating income | $836,000 | 3,631 |
| Securities gains (losses) | $339,000 | 848 |
| Applicable income taxes | $210,000 | 2,617 |
| Income before extraordinary items | $965,000 | 3,140 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $965,000 | 3,140 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $965,000 | 3,140 |
| Net charge-offs | $32,000 | 5,264 |
| Cash dividends | $433,000 | 1,955 |
| Sale, conversion, retirement of capital stock, net | $7,165,000 | 79 |
| Net operating income | $687,020 | 3,679 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 5,519 |
| Total interest expense | $283,000 | 5,848 |
| Net interest income | $1,491,000 | 5,352 |
| Provision for loan and lease losses | $15,000 | 5,808 |
| Total noninterest income | $443,000 | 3,359 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $251,000 | 2,557 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $192,000 | 3,548 |
| Total noninterest expense | $1,646,000 | 4,693 |
| Salaries and employee benefits | $842,000 | 4,682 |
| Premises and equipment expense | $146,000 | 5,376 |
| Additional noninterest expense | $658,000 | 4,265 |
| Pre-tax net operating income | $273,000 | 4,739 |
| Securities gains (losses) | $339,000 | 497 |
| Applicable income taxes | $84,000 | 2,997 |
| Income before extraordinary items | $528,000 | 3,468 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $528,000 | 3,470 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $528,000 | 3,470 |
| Net charge-offs | $19,000 | 5,072 |
| Cash dividends | $433,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $7,165,000 | 46 |
| Net operating income | $236,460 | 4,701 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,778,000 | 3,730 |
| Total interest expense | $289,000 | 4,403 |
| Net interest income | $1,489,000 | 3,484 |
| Provision for loan and lease losses | $15,000 | 5,117 |
| Total noninterest income | $386,000 | 2,410 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $210,000 | 1,681 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $176,000 | 2,649 |
| Total noninterest expense | $1,445,000 | 3,200 |
| Salaries and employee benefits | $851,000 | 2,847 |
| Premises and equipment expense | $151,000 | 3,683 |
| Additional noninterest expense | $443,000 | 3,491 |
| Pre-tax net operating income | $415,000 | 2,899 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $415,000 | 2,585 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $415,000 | 2,584 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $415,000 | 2,585 |
| Net charge-offs | $8,000 | 4,474 |
| Cash dividends | $433,000 | 836 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $415,000 | 2,531 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,165,000 | 3,852 |
| Total interest expense | $1,305,000 | 4,597 |
| Net interest income | $5,860,000 | 3,533 |
| Provision for loan and lease losses | $240,000 | 5,139 |
| Total noninterest income | $1,622,000 | 2,402 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $887,000 | 1,668 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $735,000 | 2,620 |
| Total noninterest expense | $5,640,000 | 3,258 |
| Salaries and employee benefits | $3,300,000 | 2,861 |
| Premises and equipment expense | $629,000 | 3,596 |
| Additional noninterest expense | $1,711,000 | 3,662 |
| Pre-tax net operating income | $1,602,000 | 2,620 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $1,602,000 | 2,398 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,602,000 | 2,396 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,602,000 | 2,399 |
| Net charge-offs | $20,000 | 6,376 |
| Cash dividends | $495,000 | 2,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,602,000 | 2,296 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,356,000 | 3,933 |
| Total interest expense | $1,017,000 | 4,653 |
| Net interest income | $4,339,000 | 3,611 |
| Provision for loan and lease losses | $210,000 | 4,819 |
| Total noninterest income | $1,193,000 | 2,430 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $658,000 | 1,738 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $535,000 | 2,653 |
| Total noninterest expense | $4,110,000 | 3,341 |
| Salaries and employee benefits | $2,372,000 | 2,996 |
| Premises and equipment expense | $473,000 | 3,641 |
| Additional noninterest expense | $1,265,000 | 3,676 |
| Pre-tax net operating income | $1,212,000 | 2,760 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,212,000 | 2,526 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,212,000 | 2,523 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,212,000 | 2,527 |
| Net charge-offs | $15,000 | 6,116 |
| Cash dividends | $375,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,212,000 | 2,395 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,547,000 | 3,984 |
| Total interest expense | $715,000 | 4,632 |
| Net interest income | $2,832,000 | 3,673 |
| Provision for loan and lease losses | $120,000 | 4,894 |
| Total noninterest income | $774,000 | 2,419 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $422,000 | 1,799 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $352,000 | 2,594 |
| Total noninterest expense | $2,711,000 | 3,372 |
| Salaries and employee benefits | $1,564,000 | 3,033 |
| Premises and equipment expense | $309,000 | 3,722 |
| Additional noninterest expense | $838,000 | 3,677 |
| Pre-tax net operating income | $775,000 | 2,848 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $775,000 | 2,562 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $775,000 | 2,559 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $775,000 | 2,562 |
| Net charge-offs | $8,000 | 5,913 |
| Cash dividends | $257,000 | 2,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $775,000 | 2,465 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,734,000 | 4,103 |
| Total interest expense | $393,000 | 4,522 |
| Net interest income | $1,341,000 | 3,846 |
| Provision for loan and lease losses | $45,000 | 4,935 |
| Total noninterest income | $372,000 | 2,494 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $201,000 | 1,867 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $171,000 | 2,625 |
| Total noninterest expense | $1,321,000 | 3,498 |
| Salaries and employee benefits | $760,000 | 3,150 |
| Premises and equipment expense | $151,000 | 3,870 |
| Additional noninterest expense | $410,000 | 3,737 |
| Pre-tax net operating income | $347,000 | 3,090 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $347,000 | 2,837 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $347,000 | 2,834 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $347,000 | 2,837 |
| Net charge-offs | $3,000 | 5,292 |
| Cash dividends | $168,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $347,000 | 2,716 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,552,000 | 4,363 |
| Total interest expense | $1,760,000 | 4,786 |
| Net interest income | $4,792,000 | 4,052 |
| Provision for loan and lease losses | $145,000 | 6,104 |
| Total noninterest income | $1,591,000 | 2,460 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $937,000 | 1,788 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $654,000 | 2,770 |
| Total noninterest expense | $5,062,000 | 3,651 |
| Salaries and employee benefits | $2,975,000 | 3,199 |
| Premises and equipment expense | $607,000 | 3,843 |
| Additional noninterest expense | $1,480,000 | 4,110 |
| Pre-tax net operating income | $1,176,000 | 2,748 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $1,176,000 | 2,508 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,176,000 | 2,506 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,176,000 | 2,507 |
| Net charge-offs | $85,000 | 5,832 |
| Cash dividends | $403,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,176,000 | 2,459 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 4,464 |
| Total interest expense | $1,326,000 | 4,913 |
| Net interest income | $3,509,000 | 4,116 |
| Provision for loan and lease losses | $90,000 | 6,065 |
| Total noninterest income | $1,158,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $682,000 | 1,838 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $476,000 | 2,886 |
| Total noninterest expense | $3,737,000 | 3,702 |
| Salaries and employee benefits | $2,181,000 | 3,305 |
| Premises and equipment expense | $448,000 | 3,924 |
| Additional noninterest expense | $1,108,000 | 4,100 |
| Pre-tax net operating income | $840,000 | 3,033 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $840,000 | 2,784 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $840,000 | 2,781 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $840,000 | 2,784 |
| Net charge-offs | $45,000 | 5,758 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $840,000 | 2,730 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,169,000 | 4,559 |
| Total interest expense | $901,000 | 4,992 |
| Net interest income | $2,268,000 | 4,198 |
| Provision for loan and lease losses | $60,000 | 5,816 |
| Total noninterest income | $743,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $426,000 | 1,922 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $317,000 | 2,909 |
| Total noninterest expense | $2,454,000 | 3,786 |
| Salaries and employee benefits | $1,419,000 | 3,398 |
| Premises and equipment expense | $292,000 | 4,018 |
| Additional noninterest expense | $743,000 | 4,094 |
| Pre-tax net operating income | $497,000 | 3,312 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $497,000 | 3,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $497,000 | 3,102 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $497,000 | 3,103 |
| Net charge-offs | $9,000 | 6,044 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $497,000 | 3,005 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,567,000 | 4,626 |
| Total interest expense | $466,000 | 5,019 |
| Net interest income | $1,101,000 | 4,271 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $369,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $206,000 | 1,911 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $163,000 | 2,831 |
| Total noninterest expense | $1,206,000 | 3,747 |
| Salaries and employee benefits | $703,000 | 3,455 |
| Premises and equipment expense | $152,000 | 3,929 |
| Additional noninterest expense | $351,000 | 3,948 |
| Pre-tax net operating income | $234,000 | 3,772 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $234,000 | 3,577 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $234,000 | 3,577 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $234,000 | 3,578 |
| Net charge-offs | $1,000 | 5,564 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $234,000 | 3,439 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,366,000 | 4,766 |
| Total interest expense | $2,339,000 | 4,921 |
| Net interest income | $4,027,000 | 4,557 |
| Provision for loan and lease losses | $100,000 | 6,027 |
| Total noninterest income | $1,447,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $905,000 | 1,908 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $542,000 | 3,049 |
| Total noninterest expense | $4,440,000 | 3,925 |
| Salaries and employee benefits | $2,554,000 | 3,723 |
| Premises and equipment expense | $548,000 | 4,221 |
| Additional noninterest expense | $1,338,000 | 3,940 |
| Pre-tax net operating income | $934,000 | 3,886 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $175,000 | 2,937 |
| Income before extraordinary items | $759,000 | 3,816 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $759,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,620 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $759,000 | 3,936 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,679,000 | 4,906 |
| Total interest expense | $1,839,000 | 4,915 |
| Net interest income | $2,840,000 | 4,782 |
| Provision for loan and lease losses | $70,000 | 5,559 |
| Total noninterest income | $1,043,000 | 2,823 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $658,000 | 1,971 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $385,000 | 3,251 |
| Total noninterest expense | $3,308,000 | 3,924 |
| Salaries and employee benefits | $1,903,000 | 3,763 |
| Premises and equipment expense | $397,000 | 4,335 |
| Additional noninterest expense | $1,008,000 | 3,841 |
| Pre-tax net operating income | $505,000 | 4,922 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $131,000 | 3,347 |
| Income before extraordinary items | $374,000 | 4,879 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $374,000 | 4,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,860 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $374,000 | 5,049 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,116,000 | 4,962 |
| Total interest expense | $1,277,000 | 4,939 |
| Net interest income | $1,839,000 | 4,876 |
| Provision for loan and lease losses | $40,000 | 5,379 |
| Total noninterest income | $670,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $427,000 | 1,988 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $243,000 | 3,401 |
| Total noninterest expense | $2,165,000 | 3,998 |
| Salaries and employee benefits | $1,254,000 | 3,833 |
| Premises and equipment expense | $253,000 | 4,474 |
| Additional noninterest expense | $658,000 | 3,886 |
| Pre-tax net operating income | $304,000 | 5,262 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $88,000 | 3,583 |
| Income before extraordinary items | $216,000 | 5,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $216,000 | 5,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,397 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $216,000 | 5,430 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 4,959 |
| Total interest expense | $673,000 | 4,986 |
| Net interest income | $931,000 | 4,855 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $332,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $216,000 | 1,945 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $116,000 | 3,501 |
| Total noninterest expense | $1,073,000 | 4,031 |
| Salaries and employee benefits | $626,000 | 3,848 |
| Premises and equipment expense | $125,000 | 4,513 |
| Additional noninterest expense | $322,000 | 3,907 |
| Pre-tax net operating income | $175,000 | 5,200 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $44,000 | 3,700 |
| Income before extraordinary items | $131,000 | 5,435 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $131,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,243 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $131,000 | 5,340 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,613,000 | 4,895 |
| Total interest expense | $2,753,000 | 5,014 |
| Net interest income | $3,860,000 | 4,738 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,436,000 | 2,790 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $927,000 | 1,887 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $509,000 | 3,286 |
| Total noninterest expense | $4,167,000 | 3,988 |
| Salaries and employee benefits | $2,345,000 | 3,904 |
| Premises and equipment expense | $509,000 | 4,303 |
| Additional noninterest expense | $1,313,000 | 3,816 |
| Pre-tax net operating income | $1,129,000 | 4,490 |
| Securities gains (losses) | $15,000 | 1,192 |
| Applicable income taxes | $266,000 | 3,532 |
| Income before extraordinary items | $878,000 | 4,597 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $878,000 | 4,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,854 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $866,450 | 4,610 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 4,923 |
| Total interest expense | $2,067,000 | 5,026 |
| Net interest income | $2,878,000 | 4,771 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,077,000 | 2,769 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $695,000 | 1,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $382,000 | 3,295 |
| Total noninterest expense | $3,047,000 | 4,055 |
| Salaries and employee benefits | $1,719,000 | 3,952 |
| Premises and equipment expense | $384,000 | 4,282 |
| Additional noninterest expense | $944,000 | 3,885 |
| Pre-tax net operating income | $908,000 | 4,575 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $134,000 | 4,163 |
| Income before extraordinary items | $774,000 | 4,420 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $774,000 | 4,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,682 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $774,000 | 4,409 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 4,975 |
| Total interest expense | $1,373,000 | 5,045 |
| Net interest income | $1,894,000 | 4,832 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $715,000 | 2,788 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $453,000 | 1,906 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $262,000 | 3,255 |
| Total noninterest expense | $1,981,000 | 4,149 |
| Salaries and employee benefits | $1,138,000 | 4,011 |
| Premises and equipment expense | $252,000 | 4,358 |
| Additional noninterest expense | $591,000 | 4,058 |
| Pre-tax net operating income | $628,000 | 4,545 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $94,000 | 4,191 |
| Income before extraordinary items | $534,000 | 4,416 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $534,000 | 4,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $534,000 | 4,412 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 4,974 |
| Total interest expense | $674,000 | 5,074 |
| Net interest income | $955,000 | 4,820 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $332,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $222,000 | 1,888 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $110,000 | 3,585 |
| Total noninterest expense | $972,000 | 4,223 |
| Salaries and employee benefits | $563,000 | 4,057 |
| Premises and equipment expense | $115,000 | 4,635 |
| Additional noninterest expense | $294,000 | 4,038 |
| Pre-tax net operating income | $315,000 | 4,545 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $46,000 | 4,214 |
| Income before extraordinary items | $269,000 | 4,400 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $269,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $269,000 | 4,383 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,209,000 | 4,888 |
| Total interest expense | $2,536,000 | 4,784 |
| Net interest income | $3,673,000 | 4,898 |
| Provision for loan and lease losses | $67,000 | 5,219 |
| Total noninterest income | $1,234,000 | 3,067 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $850,000 | 2,016 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $384,000 | 3,804 |
| Total noninterest expense | $3,815,000 | 4,126 |
| Salaries and employee benefits | $2,172,000 | 4,023 |
| Premises and equipment expense | $501,000 | 4,258 |
| Additional noninterest expense | $1,142,000 | 4,100 |
| Pre-tax net operating income | $1,025,000 | 5,140 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $152,000 | 4,582 |
| Income before extraordinary items | $879,000 | 5,000 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $879,000 | 5,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,976 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $873,900 | 5,010 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,538,000 | 4,958 |
| Total interest expense | $1,842,000 | 4,780 |
| Net interest income | $2,696,000 | 5,012 |
| Provision for loan and lease losses | $67,000 | 4,730 |
| Total noninterest income | $917,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $634,000 | 2,019 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $283,000 | 3,840 |
| Total noninterest expense | $2,831,000 | 4,145 |
| Salaries and employee benefits | $1,596,000 | 4,063 |
| Premises and equipment expense | $377,000 | 4,259 |
| Additional noninterest expense | $858,000 | 4,050 |
| Pre-tax net operating income | $715,000 | 5,472 |
| Securities gains (losses) | $6,000 | 998 |
| Applicable income taxes | $98,000 | 4,946 |
| Income before extraordinary items | $623,000 | 5,267 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $623,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,885 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $617,840 | 5,286 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 4,995 |
| Total interest expense | $1,190,000 | 4,744 |
| Net interest income | $1,776,000 | 5,070 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $601,000 | 3,113 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $418,000 | 2,021 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $183,000 | 3,910 |
| Total noninterest expense | $1,875,000 | 4,179 |
| Salaries and employee benefits | $1,052,000 | 4,116 |
| Premises and equipment expense | $249,000 | 4,280 |
| Additional noninterest expense | $574,000 | 4,049 |
| Pre-tax net operating income | $457,000 | 5,614 |
| Securities gains (losses) | $6,000 | 812 |
| Applicable income taxes | $65,000 | 4,998 |
| Income before extraordinary items | $398,000 | 5,404 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $398,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,668 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $392,840 | 5,423 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 4,978 |
| Total interest expense | $592,000 | 4,617 |
| Net interest income | $865,000 | 5,163 |
| Provision for loan and lease losses | $17,000 | 4,701 |
| Total noninterest income | $301,000 | 3,084 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $207,000 | 1,988 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,842 |
| Total noninterest expense | $927,000 | 4,226 |
| Salaries and employee benefits | $517,000 | 4,190 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $284,000 | 4,062 |
| Pre-tax net operating income | $222,000 | 5,612 |
| Securities gains (losses) | $6,000 | 667 |
| Applicable income taxes | $32,000 | 4,955 |
| Income before extraordinary items | $196,000 | 5,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $196,000 | 5,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $190,840 | 5,457 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,143,000 | 5,068 |
| Total interest expense | $1,969,000 | 4,479 |
| Net interest income | $3,174,000 | 5,327 |
| Provision for loan and lease losses | $48,000 | 5,807 |
| Total noninterest income | $1,069,000 | 3,394 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $789,000 | 2,130 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $280,000 | 4,495 |
| Total noninterest expense | $3,611,000 | 4,191 |
| Salaries and employee benefits | $2,062,000 | 4,039 |
| Premises and equipment expense | $470,000 | 4,365 |
| Additional noninterest expense | $1,079,000 | 4,165 |
| Pre-tax net operating income | $584,000 | 6,469 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $50,000 | 5,861 |
| Income before extraordinary items | $534,000 | 6,238 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $534,000 | 6,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,989 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $534,000 | 6,209 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 5,100 |
| Total interest expense | $1,420,000 | 4,471 |
| Net interest income | $2,356,000 | 5,372 |
| Provision for loan and lease losses | $48,000 | 5,260 |
| Total noninterest income | $791,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $580,000 | 2,170 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $211,000 | 4,494 |
| Total noninterest expense | $2,641,000 | 4,229 |
| Salaries and employee benefits | $1,523,000 | 4,039 |
| Premises and equipment expense | $327,000 | 4,564 |
| Additional noninterest expense | $791,000 | 4,211 |
| Pre-tax net operating income | $458,000 | 6,544 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $65,000 | 5,605 |
| Income before extraordinary items | $393,000 | 6,413 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $393,000 | 6,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,542 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $393,000 | 6,377 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,463,000 | 5,102 |
| Total interest expense | $906,000 | 4,431 |
| Net interest income | $1,557,000 | 5,377 |
| Provision for loan and lease losses | $32,000 | 5,100 |
| Total noninterest income | $517,000 | 3,430 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $378,000 | 2,175 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $139,000 | 4,488 |
| Total noninterest expense | $1,732,000 | 4,280 |
| Salaries and employee benefits | $1,031,000 | 3,980 |
| Premises and equipment expense | $193,000 | 4,940 |
| Additional noninterest expense | $508,000 | 4,322 |
| Pre-tax net operating income | $310,000 | 6,531 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $45,000 | 5,608 |
| Income before extraordinary items | $265,000 | 6,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $265,000 | 6,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,044 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $265,000 | 6,335 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,210,000 | 5,141 |
| Total interest expense | $462,000 | 4,253 |
| Net interest income | $748,000 | 5,535 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $248,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $173,000 | 2,272 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $75,000 | 4,317 |
| Total noninterest expense | $814,000 | 4,504 |
| Salaries and employee benefits | $477,000 | 4,245 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $242,000 | 4,456 |
| Pre-tax net operating income | $166,000 | 6,364 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $142,000 | 6,222 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $142,000 | 6,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $142,000 | 6,174 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 5,022 |
| Total interest expense | $1,538,000 | 4,447 |
| Net interest income | $3,209,000 | 5,206 |
| Provision for loan and lease losses | $40,000 | 6,168 |
| Total noninterest income | $935,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $718,000 | 2,324 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $217,000 | 4,934 |
| Total noninterest expense | $3,281,000 | 4,390 |
| Salaries and employee benefits | $1,963,000 | 4,058 |
| Premises and equipment expense | $381,000 | 4,929 |
| Additional noninterest expense | $937,000 | 4,578 |
| Pre-tax net operating income | $823,000 | 5,719 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $119,000 | 5,339 |
| Income before extraordinary items | $704,000 | 5,567 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $704,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,621 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $704,000 | 5,499 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,543,000 | 5,020 |
| Total interest expense | $1,130,000 | 4,465 |
| Net interest income | $2,413,000 | 5,179 |
| Provision for loan and lease losses | $40,000 | 5,698 |
| Total noninterest income | $704,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $536,000 | 2,358 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $168,000 | 4,870 |
| Total noninterest expense | $2,492,000 | 4,308 |
| Salaries and employee benefits | $1,466,000 | 4,025 |
| Premises and equipment expense | $277,000 | 5,014 |
| Additional noninterest expense | $749,000 | 4,293 |
| Pre-tax net operating income | $585,000 | 5,970 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $123,000 | 5,104 |
| Income before extraordinary items | $462,000 | 6,007 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $462,000 | 6,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,620 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $462,000 | 5,929 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 5,017 |
| Total interest expense | $738,000 | 4,527 |
| Net interest income | $1,634,000 | 5,124 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $452,000 | 3,799 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $344,000 | 2,431 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 5,008 |
| Total noninterest expense | $1,691,000 | 4,281 |
| Salaries and employee benefits | $1,009,000 | 3,946 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $497,000 | 4,335 |
| Pre-tax net operating income | $355,000 | 6,155 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $76,000 | 5,175 |
| Income before extraordinary items | $279,000 | 6,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $279,000 | 6,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $279,000 | 6,117 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 4,986 |
| Total interest expense | $360,000 | 4,624 |
| Net interest income | $843,000 | 5,019 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $218,000 | 3,853 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $160,000 | 2,535 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $841,000 | 4,328 |
| Salaries and employee benefits | $482,000 | 4,125 |
| Premises and equipment expense | $96,000 | 4,925 |
| Additional noninterest expense | $263,000 | 4,147 |
| Pre-tax net operating income | $197,000 | 5,851 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $37,000 | 5,183 |
| Income before extraordinary items | $160,000 | 5,851 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $160,000 | 5,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $160,000 | 5,733 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,664,000 | 5,130 |
| Total interest expense | $1,765,000 | 4,407 |
| Net interest income | $2,899,000 | 5,422 |
| Provision for loan and lease losses | $61,000 | 5,962 |
| Total noninterest income | $1,009,000 | 3,710 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $687,000 | 2,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $322,000 | 4,361 |
| Total noninterest expense | $3,411,000 | 4,207 |
| Salaries and employee benefits | $1,972,000 | 3,972 |
| Premises and equipment expense | $403,000 | 4,709 |
| Additional noninterest expense | $1,036,000 | 4,157 |
| Pre-tax net operating income | $436,000 | 6,895 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $50,000 | 6,270 |
| Income before extraordinary items | $408,000 | 6,780 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $408,000 | 6,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,047 |
| Cash dividends | $2,700,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $388,420 | 6,714 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,485,000 | 5,205 |
| Total interest expense | $1,377,000 | 4,413 |
| Net interest income | $2,108,000 | 5,550 |
| Provision for loan and lease losses | $51,000 | 5,740 |
| Total noninterest income | $789,000 | 3,676 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $522,000 | 2,380 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $267,000 | 4,258 |
| Total noninterest expense | $2,545,000 | 4,208 |
| Salaries and employee benefits | $1,502,000 | 3,908 |
| Premises and equipment expense | $305,000 | 4,655 |
| Additional noninterest expense | $738,000 | 4,313 |
| Pre-tax net operating income | $301,000 | 7,172 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $67,000 | 5,966 |
| Income before extraordinary items | $256,000 | 7,218 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $256,000 | 7,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,097 |
| Cash dividends | $2,700,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $238,620 | 7,169 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,335,000 | 5,223 |
| Total interest expense | $937,000 | 4,458 |
| Net interest income | $1,398,000 | 5,564 |
| Provision for loan and lease losses | $31,000 | 5,724 |
| Total noninterest income | $565,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $358,000 | 2,299 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $207,000 | 3,972 |
| Total noninterest expense | $1,667,000 | 4,269 |
| Salaries and employee benefits | $981,000 | 3,984 |
| Premises and equipment expense | $201,000 | 4,692 |
| Additional noninterest expense | $485,000 | 4,347 |
| Pre-tax net operating income | $265,000 | 6,736 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $52,000 | 5,878 |
| Income before extraordinary items | $235,000 | 6,659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $235,000 | 6,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,282 |
| Cash dividends | $2,700,000 | 573 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $216,960 | 6,621 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 5,212 |
| Total interest expense | $472,000 | 4,525 |
| Net interest income | $712,000 | 5,497 |
| Provision for loan and lease losses | $14,000 | 5,838 |
| Total noninterest income | $284,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $172,000 | 2,313 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $112,000 | 3,730 |
| Total noninterest expense | $848,000 | 4,190 |
| Salaries and employee benefits | $508,000 | 3,848 |
| Premises and equipment expense | $98,000 | 4,773 |
| Additional noninterest expense | $242,000 | 4,329 |
| Pre-tax net operating income | $134,000 | 6,697 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $128,000 | 6,406 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $128,000 | 6,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $109,960 | 6,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,997,000 | 5,179 |
| Total interest expense | $2,073,000 | 4,673 |
| Net interest income | $2,924,000 | 5,367 |
| Provision for loan and lease losses | $35,000 | 7,087 |
| Total noninterest income | $2,046,000 | 2,085 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $629,000 | 2,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,417,000 | 1,722 |
| Total noninterest expense | $3,034,000 | 4,421 |
| Salaries and employee benefits | $1,764,000 | 4,152 |
| Premises and equipment expense | $349,000 | 5,102 |
| Additional noninterest expense | $921,000 | 4,460 |
| Pre-tax net operating income | $1,901,000 | 3,549 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $82,000 | 6,144 |
| Income before extraordinary items | $1,819,000 | 3,000 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,819,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,819,000 | 2,919 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,417,000 | 5,341 |
| Total interest expense | $2,820,000 | 4,961 |
| Net interest income | $2,597,000 | 5,585 |
| Provision for loan and lease losses | $54,000 | 6,579 |
| Total noninterest income | $894,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $446,000 | 3,119 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $448,000 | 3,317 |
| Total noninterest expense | $2,667,000 | 4,745 |
| Salaries and employee benefits | $1,542,000 | 4,421 |
| Premises and equipment expense | $325,000 | 5,272 |
| Additional noninterest expense | $800,000 | 4,781 |
| Pre-tax net operating income | $770,000 | 5,591 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $91,000 | 6,115 |
| Income before extraordinary items | $679,000 | 5,301 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $679,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,462 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $679,000 | 5,181 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,313,000 | 5,516 |
| Total interest expense | $2,762,000 | 5,225 |
| Net interest income | $2,551,000 | 5,724 |
| Provision for loan and lease losses | $107,000 | 5,170 |
| Total noninterest income | $731,000 | 3,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $377,000 | 3,487 |
| Total noninterest expense | $3,355,000 | 3,855 |
| Salaries and employee benefits | $1,376,000 | 4,686 |
| Premises and equipment expense | $270,000 | 5,774 |
| Additional noninterest expense | $1,709,000 | 2,507 |
| Pre-tax net operating income | $-180,000 | 9,324 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $149,000 | 5,935 |
| Income before extraordinary items | $-329,000 | 9,465 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-329,000 | 9,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,226 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-329,000 | 9,468 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,539,000 | 5,901 |
| Total interest expense | $2,258,000 | 5,551 |
| Net interest income | $2,281,000 | 6,127 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $571,000 | 4,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,807 |
| Total noninterest expense | $2,047,000 | 5,603 |
| Salaries and employee benefits | $1,159,000 | 5,295 |
| Premises and equipment expense | $229,000 | 6,370 |
| Additional noninterest expense | $659,000 | 5,475 |
| Pre-tax net operating income | $805,000 | 5,907 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $161,000 | 6,148 |
| Income before extraordinary items | $644,000 | 5,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $644,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $644,000 | 5,665 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,083,000 | 6,423 |
| Total interest expense | $2,083,000 | 6,057 |
| Net interest income | $2,000,000 | 6,676 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $596,000 | 4,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $394,000 | 3,464 |
| Total noninterest expense | $1,844,000 | 5,892 |
| Salaries and employee benefits | $1,023,000 | 5,695 |
| Premises and equipment expense | $189,000 | 6,883 |
| Additional noninterest expense | $632,000 | 5,540 |
| Pre-tax net operating income | $752,000 | 6,285 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $139,000 | 6,991 |
| Income before extraordinary items | $613,000 | 5,991 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $613,000 | 5,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $613,000 | 5,885 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,763,000 | 6,888 |
| Total interest expense | $1,813,000 | 6,654 |
| Net interest income | $1,950,000 | 7,028 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $475,000 | 5,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $279,000 | 4,093 |
| Total noninterest expense | $1,744,000 | 6,195 |
| Salaries and employee benefits | $942,000 | 6,099 |
| Premises and equipment expense | $192,000 | 6,989 |
| Additional noninterest expense | $610,000 | 5,741 |
| Pre-tax net operating income | $669,000 | 7,113 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $161,000 | 7,446 |
| Income before extraordinary items | $514,000 | 6,884 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $514,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,052 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $509,440 | 6,849 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,399,000 | 7,512 |
| Total interest expense | $1,633,000 | 7,246 |
| Net interest income | $1,766,000 | 7,629 |
| Provision for loan and lease losses | $-500,000 | 11,389 |
| Total noninterest income | $1,023,000 | 3,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $826,000 | 2,063 |
| Total noninterest expense | $1,663,000 | 6,687 |
| Salaries and employee benefits | $975,000 | 6,107 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $517,000 | 6,923 |
| Pre-tax net operating income | $1,626,000 | 4,076 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $402,000 | 4,875 |
| Income before extraordinary items | $1,224,000 | 3,809 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,224,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-396,000 | 11,403 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,224,000 | 3,763 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,094,000 | 8,067 |
| Total interest expense | $1,475,000 | 7,774 |
| Net interest income | $1,619,000 | 8,217 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $462,000 | 5,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $269,000 | 4,285 |
| Total noninterest expense | $1,467,000 | 7,370 |
| Salaries and employee benefits | $783,000 | 7,202 |
| Premises and equipment expense | $166,000 | 7,897 |
| Additional noninterest expense | $518,000 | 7,117 |
| Pre-tax net operating income | $614,000 | 7,806 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $171,000 | 7,907 |
| Income before extraordinary items | $443,000 | 7,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $443,000 | 7,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,045 |
| Cash dividends | $335,000 | 4,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $443,000 | 7,674 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 8,460 |
| Total interest expense | $1,076,000 | 8,369 |
| Net interest income | $1,674,000 | 8,369 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $400,000 | 6,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 5,268 |
| Total noninterest expense | $1,493,000 | 7,624 |
| Salaries and employee benefits | $742,000 | 7,590 |
| Premises and equipment expense | $116,000 | 9,514 |
| Additional noninterest expense | $635,000 | 6,774 |
| Pre-tax net operating income | $581,000 | 8,116 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $51,000 | 10,446 |
| Income before extraordinary items | $530,000 | 7,074 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $530,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 11,188 |
| Cash dividends | $450,000 | 3,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $530,000 | 7,120 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,892,000 | 8,510 |
| Total interest expense | $1,043,000 | 8,907 |
| Net interest income | $1,849,000 | 8,100 |
| Provision for loan and lease losses | $222,000 | 3,681 |
| Total noninterest income | $397,000 | 6,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,748 |
| Total noninterest expense | $1,725,000 | 7,115 |
| Salaries and employee benefits | $828,000 | 7,157 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $745,000 | 6,270 |
| Pre-tax net operating income | $299,000 | 10,253 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $-5,000 | 12,754 |
| Income before extraordinary items | $303,000 | 9,453 |
| Extraordinary gains, net | $46,000 | 2,238 |
| Net income | $349,000 | 9,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 1,965 |
| Cash dividends | $153,000 | 6,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $304,000 | 9,179 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,493,000 | 8,195 |
| Total interest expense | $1,415,000 | 8,789 |
| Net interest income | $2,078,000 | 7,551 |
| Provision for loan and lease losses | $282,000 | 4,292 |
| Total noninterest income | $454,000 | 6,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,054 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,876 |
| Total noninterest expense | $1,886,000 | 6,694 |
| Salaries and employee benefits | $766,000 | 7,490 |
| Premises and equipment expense | $162,000 | 8,785 |
| Additional noninterest expense | $958,000 | 5,233 |
| Pre-tax net operating income | $364,000 | 9,545 |
| Securities gains (losses) | $97,000 | 3,051 |
| Applicable income taxes | $40,000 | 11,529 |
| Income before extraordinary items | $421,000 | 8,007 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $421,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 3,643 |
| Cash dividends | $208,000 | 4,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $332,730 | 8,544 |
* 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.