Home > Citizens City & County Bank > Income and Expense
Citizens City & County Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 7,608 |
| Total interest expense | $451,000 | 7,379 |
| Net interest income | $569,000 | 7,681 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $191,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $162,000 | 3,940 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $29,000 | 7,026 |
| Total noninterest expense | $576,000 | 7,464 |
| Salaries and employee benefits | $278,000 | 7,685 |
| Premises and equipment expense | $94,000 | 6,873 |
| Additional noninterest expense | $204,000 | 7,029 |
| Pre-tax net operating income | $154,000 | 6,938 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $6,000 | 5,846 |
| Income before extraordinary items | $148,000 | 6,769 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $148,000 | 6,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $172,000 | 3,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $148,000 | 6,754 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,699 |
| Total interest expense | $223,000 | 7,418 |
| Net interest income | $272,000 | 7,779 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $97,000 | 5,601 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $81,000 | 3,885 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $296,000 | 7,454 |
| Salaries and employee benefits | $141,000 | 7,706 |
| Premises and equipment expense | $46,000 | 6,946 |
| Additional noninterest expense | $109,000 | 6,927 |
| Pre-tax net operating income | $58,000 | 7,191 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $6,000 | 5,609 |
| Income before extraordinary items | $52,000 | 7,127 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $52,000 | 7,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,048 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $52,000 | 7,113 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 7,570 |
| Total interest expense | $754,000 | 7,419 |
| Net interest income | $1,219,000 | 7,564 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $301,000 | 6,174 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $237,000 | 4,622 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $64,000 | 6,980 |
| Total noninterest expense | $1,143,000 | 7,487 |
| Salaries and employee benefits | $529,000 | 7,791 |
| Premises and equipment expense | $219,000 | 6,526 |
| Additional noninterest expense | $395,000 | 7,091 |
| Pre-tax net operating income | $277,000 | 7,177 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $-185,000 | 8,438 |
| Income before extraordinary items | $460,000 | 6,296 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $460,000 | 6,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,598 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $462,000 | 6,295 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 7,629 |
| Total interest expense | $539,000 | 7,496 |
| Net interest income | $925,000 | 7,607 |
| Provision for loan and lease losses | $70,000 | 4,662 |
| Total noninterest income | $225,000 | 6,235 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $176,000 | 4,693 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $845,000 | 7,524 |
| Salaries and employee benefits | $411,000 | 7,732 |
| Premises and equipment expense | $161,000 | 6,593 |
| Additional noninterest expense | $273,000 | 7,254 |
| Pre-tax net operating income | $235,000 | 7,279 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $233,000 | 7,046 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $233,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,236 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $235,000 | 7,035 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $946,000 | 7,689 |
| Total interest expense | $339,000 | 7,543 |
| Net interest income | $607,000 | 7,676 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $152,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $115,000 | 4,705 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 6,841 |
| Total noninterest expense | $565,000 | 7,549 |
| Salaries and employee benefits | $278,000 | 7,754 |
| Premises and equipment expense | $103,000 | 6,692 |
| Additional noninterest expense | $184,000 | 7,248 |
| Pre-tax net operating income | $134,000 | 7,482 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $132,000 | 7,292 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $132,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,814 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $134,000 | 7,285 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $458,000 | 7,750 |
| Total interest expense | $164,000 | 7,558 |
| Net interest income | $294,000 | 7,747 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $70,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $54,000 | 4,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $268,000 | 7,646 |
| Salaries and employee benefits | $140,000 | 7,759 |
| Premises and equipment expense | $51,000 | 6,714 |
| Additional noninterest expense | $77,000 | 7,578 |
| Pre-tax net operating income | $56,000 | 7,619 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $54,000 | 7,470 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 980 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $56,000 | 7,436 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,730,000 | 7,693 |
| Total interest expense | $559,000 | 7,448 |
| Net interest income | $1,171,000 | 7,722 |
| Provision for loan and lease losses | $82,000 | 5,102 |
| Total noninterest income | $292,000 | 6,375 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $239,000 | 4,661 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $53,000 | 7,317 |
| Total noninterest expense | $1,017,000 | 7,723 |
| Salaries and employee benefits | $518,000 | 7,836 |
| Premises and equipment expense | $192,000 | 6,802 |
| Additional noninterest expense | $307,000 | 7,604 |
| Pre-tax net operating income | $364,000 | 7,183 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $364,000 | 6,914 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $364,000 | 6,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,572 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 892 |
| Net operating income | $364,000 | 6,903 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,276,000 | 7,740 |
| Total interest expense | $400,000 | 7,475 |
| Net interest income | $876,000 | 7,759 |
| Provision for loan and lease losses | $42,000 | 5,513 |
| Total noninterest income | $216,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $174,000 | 4,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 7,265 |
| Total noninterest expense | $735,000 | 7,765 |
| Salaries and employee benefits | $376,000 | 7,872 |
| Premises and equipment expense | $144,000 | 6,808 |
| Additional noninterest expense | $215,000 | 7,725 |
| Pre-tax net operating income | $315,000 | 7,141 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $315,000 | 6,842 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $315,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,238 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 729 |
| Net operating income | $315,000 | 6,795 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $826,000 | 7,771 |
| Total interest expense | $252,000 | 7,510 |
| Net interest income | $574,000 | 7,811 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $140,000 | 6,471 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $111,000 | 4,818 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $29,000 | 7,234 |
| Total noninterest expense | $482,000 | 7,803 |
| Salaries and employee benefits | $239,000 | 7,952 |
| Premises and equipment expense | $98,000 | 6,741 |
| Additional noninterest expense | $145,000 | 7,694 |
| Pre-tax net operating income | $212,000 | 7,144 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $212,000 | 6,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $212,000 | 6,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $212,000 | 6,787 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $398,000 | 7,875 |
| Total interest expense | $119,000 | 7,571 |
| Net interest income | $279,000 | 7,913 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $69,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $48,000 | 5,081 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $240,000 | 7,869 |
| Salaries and employee benefits | $115,000 | 8,089 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $72,000 | 7,752 |
| Pre-tax net operating income | $108,000 | 7,111 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $108,000 | 6,756 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $108,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $108,000 | 6,721 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 7,824 |
| Total interest expense | $434,000 | 7,555 |
| Net interest income | $1,126,000 | 7,851 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $255,000 | 6,730 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $214,000 | 5,079 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,647 |
| Total noninterest expense | $1,096,000 | 7,631 |
| Salaries and employee benefits | $508,000 | 7,954 |
| Premises and equipment expense | $223,000 | 6,488 |
| Additional noninterest expense | $365,000 | 7,321 |
| Pre-tax net operating income | $273,000 | 7,535 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $273,000 | 7,334 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $273,000 | 7,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,720 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 800 |
| Net operating income | $273,000 | 7,289 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,158,000 | 7,868 |
| Total interest expense | $320,000 | 7,601 |
| Net interest income | $838,000 | 7,894 |
| Provision for loan and lease losses | $12,000 | 6,640 |
| Total noninterest income | $193,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $165,000 | 5,072 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 7,777 |
| Total noninterest expense | $842,000 | 7,553 |
| Salaries and employee benefits | $391,000 | 7,891 |
| Premises and equipment expense | $165,000 | 6,512 |
| Additional noninterest expense | $286,000 | 7,207 |
| Pre-tax net operating income | $177,000 | 7,794 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $177,000 | 7,608 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $177,000 | 7,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 671 |
| Net operating income | $177,000 | 7,556 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $759,000 | 7,952 |
| Total interest expense | $212,000 | 7,678 |
| Net interest income | $547,000 | 7,977 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $128,000 | 6,783 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $104,000 | 5,184 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $583,000 | 7,526 |
| Salaries and employee benefits | $261,000 | 7,943 |
| Premises and equipment expense | $109,000 | 6,576 |
| Additional noninterest expense | $213,000 | 6,992 |
| Pre-tax net operating income | $80,000 | 8,058 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $80,000 | 7,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $80,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $80,000 | 7,909 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $377,000 | 8,005 |
| Total interest expense | $109,000 | 7,695 |
| Net interest income | $268,000 | 8,036 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $68,000 | 6,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $50,000 | 5,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $301,000 | 7,495 |
| Salaries and employee benefits | $134,000 | 7,931 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $113,000 | 6,847 |
| Pre-tax net operating income | $35,000 | 8,111 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $35,000 | 8,063 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $35,000 | 8,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,188 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $35,000 | 8,003 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,570,000 | 8,005 |
| Total interest expense | $566,000 | 7,516 |
| Net interest income | $1,004,000 | 8,097 |
| Provision for loan and lease losses | $85,000 | 5,561 |
| Total noninterest income | $253,000 | 6,924 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $201,000 | 5,259 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $52,000 | 7,508 |
| Total noninterest expense | $1,164,000 | 7,549 |
| Salaries and employee benefits | $496,000 | 8,093 |
| Premises and equipment expense | $226,000 | 6,477 |
| Additional noninterest expense | $442,000 | 6,887 |
| Pre-tax net operating income | $8,000 | 8,498 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $8,000 | 8,598 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,000 | 8,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,664 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 709 |
| Net operating income | $8,000 | 8,510 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 8,085 |
| Total interest expense | $444,000 | 7,564 |
| Net interest income | $739,000 | 8,189 |
| Provision for loan and lease losses | $85,000 | 5,045 |
| Total noninterest income | $183,000 | 7,049 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $149,000 | 5,319 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $875,000 | 7,534 |
| Salaries and employee benefits | $378,000 | 8,062 |
| Premises and equipment expense | $169,000 | 6,484 |
| Additional noninterest expense | $328,000 | 6,907 |
| Pre-tax net operating income | $-38,000 | 8,704 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-38,000 | 8,787 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-38,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,365 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 542 |
| Net operating income | $-38,000 | 8,700 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $781,000 | 8,171 |
| Total interest expense | $307,000 | 7,605 |
| Net interest income | $474,000 | 8,289 |
| Provision for loan and lease losses | $85,000 | 4,219 |
| Total noninterest income | $121,000 | 7,043 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $101,000 | 5,264 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $573,000 | 7,588 |
| Salaries and employee benefits | $251,000 | 8,074 |
| Premises and equipment expense | $107,000 | 6,600 |
| Additional noninterest expense | $215,000 | 6,954 |
| Pre-tax net operating income | $-63,000 | 8,787 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-63,000 | 8,873 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-63,000 | 8,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 1,837 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 415 |
| Net operating income | $-63,000 | 8,778 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $389,000 | 8,217 |
| Total interest expense | $155,000 | 7,686 |
| Net interest income | $234,000 | 8,347 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $62,000 | 6,956 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $299,000 | 7,524 |
| Salaries and employee benefits | $126,000 | 8,092 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $117,000 | 6,723 |
| Pre-tax net operating income | $-58,000 | 8,906 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-58,000 | 8,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-58,000 | 8,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,840 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 292 |
| Net operating income | $-58,000 | 8,884 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 8,180 |
| Total interest expense | $750,000 | 7,664 |
| Net interest income | $939,000 | 8,360 |
| Provision for loan and lease losses | $368,000 | 3,010 |
| Total noninterest income | $255,000 | 6,814 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $227,000 | 4,933 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 8,260 |
| Total noninterest expense | $1,309,000 | 7,225 |
| Salaries and employee benefits | $515,000 | 8,086 |
| Premises and equipment expense | $238,000 | 6,293 |
| Additional noninterest expense | $556,000 | 6,188 |
| Pre-tax net operating income | $-483,000 | 8,970 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-483,000 | 9,032 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-483,000 | 9,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,703 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 604 |
| Net operating income | $-483,000 | 8,988 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 8,125 |
| Total interest expense | $1,198,000 | 7,614 |
| Net interest income | $892,000 | 8,491 |
| Provision for loan and lease losses | $235,000 | 3,803 |
| Total noninterest income | $315,000 | 6,285 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $275,000 | 4,394 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $1,202,000 | 7,449 |
| Salaries and employee benefits | $541,000 | 7,970 |
| Premises and equipment expense | $184,000 | 7,014 |
| Additional noninterest expense | $477,000 | 6,609 |
| Pre-tax net operating income | $-230,000 | 8,985 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-230,000 | 9,076 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-230,000 | 9,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,328 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-135,000 | 9,502 |
| Net operating income | $-230,000 | 9,016 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,049,000 | 8,357 |
| Total interest expense | $1,164,000 | 7,884 |
| Net interest income | $885,000 | 8,719 |
| Provision for loan and lease losses | $86,000 | 5,621 |
| Total noninterest income | $255,000 | 6,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 4,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $1,223,000 | 7,438 |
| Salaries and employee benefits | $547,000 | 7,991 |
| Premises and equipment expense | $190,000 | 6,913 |
| Additional noninterest expense | $486,000 | 6,531 |
| Pre-tax net operating income | $-169,000 | 9,313 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-169,000 | 9,343 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-169,000 | 9,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-169,000 | 9,342 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 8,708 |
| Total interest expense | $929,000 | 8,369 |
| Net interest income | $876,000 | 8,899 |
| Provision for loan and lease losses | $85,000 | 5,558 |
| Total noninterest income | $216,000 | 7,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $942,000 | 8,292 |
| Salaries and employee benefits | $464,000 | 8,541 |
| Premises and equipment expense | $104,000 | 8,553 |
| Additional noninterest expense | $374,000 | 7,500 |
| Pre-tax net operating income | $65,000 | 9,195 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $65,000 | 9,168 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $65,000 | 9,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 912 |
| Net operating income | $65,000 | 9,135 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 9,238 |
| Total interest expense | $730,000 | 9,117 |
| Net interest income | $813,000 | 9,215 |
| Provision for loan and lease losses | $236,000 | 3,164 |
| Total noninterest income | $141,000 | 8,365 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,291 |
| Total noninterest expense | $856,000 | 8,583 |
| Salaries and employee benefits | $401,000 | 8,960 |
| Premises and equipment expense | $94,000 | 8,844 |
| Additional noninterest expense | $361,000 | 7,560 |
| Pre-tax net operating income | $-138,000 | 9,947 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-138,000 | 9,988 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-138,000 | 9,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,803 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,005 |
| Net operating income | $-138,000 | 9,951 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 10,536 |
| Total interest expense | $242,000 | 10,606 |
| Net interest income | $492,000 | 10,386 |
| Provision for loan and lease losses | $161,000 | 3,973 |
| Total noninterest income | $65,000 | 10,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,015 |
| Total noninterest expense | $637,000 | 9,601 |
| Salaries and employee benefits | $305,000 | 9,920 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $271,000 | 8,620 |
| Pre-tax net operating income | $-241,000 | 10,593 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-241,000 | 10,634 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-241,000 | 10,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,263,000 | 294 |
| Net operating income | $-241,000 | 10,609 |
* 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.