Home > Citizens Community Bank of Decatur > Income and Expense
Citizens Community Bank of Decatur, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 8,528 |
| Total interest expense | $346,000 | 8,063 |
| Net interest income | $361,000 | 8,630 |
| Provision for loan and lease losses | $-27,000 | 8,536 |
| Total noninterest income | $131,000 | 7,658 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $25,000 | 7,408 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $106,000 | 6,316 |
| Total noninterest expense | $749,000 | 8,151 |
| Salaries and employee benefits | $396,000 | 8,221 |
| Premises and equipment expense | $111,000 | 7,742 |
| Additional noninterest expense | $242,000 | 7,971 |
| Pre-tax net operating income | $-230,000 | 8,401 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-231,000 | 8,436 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-231,000 | 8,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,900 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-230,000 | 8,414 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $524,000 | 8,570 |
| Total interest expense | $259,000 | 8,060 |
| Net interest income | $265,000 | 8,694 |
| Provision for loan and lease losses | $-27,000 | 8,631 |
| Total noninterest income | $109,000 | 7,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $100,000 | 5,941 |
| Total noninterest expense | $517,000 | 8,248 |
| Salaries and employee benefits | $283,000 | 8,255 |
| Premises and equipment expense | $74,000 | 7,894 |
| Additional noninterest expense | $160,000 | 8,147 |
| Pre-tax net operating income | $-116,000 | 8,438 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-117,000 | 8,465 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-117,000 | 8,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,028 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-116,000 | 8,437 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $341,000 | 8,594 |
| Total interest expense | $169,000 | 8,037 |
| Net interest income | $172,000 | 8,718 |
| Provision for loan and lease losses | $-27,000 | 8,668 |
| Total noninterest income | $117,000 | 6,800 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $5,000 | 7,657 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $112,000 | 4,964 |
| Total noninterest expense | $332,000 | 8,288 |
| Salaries and employee benefits | $175,000 | 8,354 |
| Premises and equipment expense | $50,000 | 7,864 |
| Additional noninterest expense | $107,000 | 8,130 |
| Pre-tax net operating income | $-16,000 | 8,390 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-16,000 | 8,415 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-16,000 | 8,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,987 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-16,000 | 8,383 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $180,000 | 8,657 |
| Total interest expense | $80,000 | 8,117 |
| Net interest income | $100,000 | 8,746 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $96,000 | 5,780 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $93,000 | 3,882 |
| Total noninterest expense | $151,000 | 8,469 |
| Salaries and employee benefits | $81,000 | 8,498 |
| Premises and equipment expense | $17,000 | 8,338 |
| Additional noninterest expense | $53,000 | 8,199 |
| Pre-tax net operating income | $45,000 | 7,959 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $45,000 | 7,849 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $45,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $45,000 | 7,822 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 8,625 |
| Total interest expense | $300,000 | 8,108 |
| Net interest income | $433,000 | 8,709 |
| Provision for loan and lease losses | $-137,000 | 8,812 |
| Total noninterest income | $127,000 | 7,825 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $38,000 | 7,455 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $89,000 | 6,612 |
| Total noninterest expense | $827,000 | 8,110 |
| Salaries and employee benefits | $406,000 | 8,285 |
| Premises and equipment expense | $114,000 | 7,790 |
| Additional noninterest expense | $307,000 | 7,660 |
| Pre-tax net operating income | $-130,000 | 8,502 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-133,000 | 8,544 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-133,000 | 8,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-130,000 | 8,512 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $551,000 | 8,670 |
| Total interest expense | $220,000 | 8,158 |
| Net interest income | $331,000 | 8,758 |
| Provision for loan and lease losses | $-137,000 | 8,896 |
| Total noninterest income | $97,000 | 7,846 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $29,000 | 7,502 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 6,593 |
| Total noninterest expense | $650,000 | 8,046 |
| Salaries and employee benefits | $304,000 | 8,269 |
| Premises and equipment expense | $92,000 | 7,681 |
| Additional noninterest expense | $254,000 | 7,465 |
| Pre-tax net operating income | $-85,000 | 8,589 |
| Securities gains (losses) | $-3,000 | 8,248 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-88,000 | 8,614 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-88,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-85,000 | 8,585 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $367,000 | 8,722 |
| Total interest expense | $149,000 | 8,199 |
| Net interest income | $218,000 | 8,819 |
| Provision for loan and lease losses | $-150,000 | 8,978 |
| Total noninterest income | $69,000 | 7,791 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $21,000 | 7,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $429,000 | 8,106 |
| Salaries and employee benefits | $202,000 | 8,326 |
| Premises and equipment expense | $63,000 | 7,651 |
| Additional noninterest expense | $164,000 | 7,554 |
| Pre-tax net operating income | $8,000 | 8,476 |
| Securities gains (losses) | $-3,000 | 8,495 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $5,000 | 8,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $8,000 | 8,467 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $190,000 | 8,745 |
| Total interest expense | $76,000 | 8,251 |
| Net interest income | $114,000 | 8,835 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $30,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $209,000 | 8,180 |
| Salaries and employee benefits | $105,000 | 8,326 |
| Premises and equipment expense | $35,000 | 7,507 |
| Additional noninterest expense | $69,000 | 7,915 |
| Pre-tax net operating income | $-65,000 | 8,750 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-68,000 | 8,783 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-68,000 | 8,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-65,000 | 8,747 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 8,752 |
| Total interest expense | $364,000 | 8,230 |
| Net interest income | $439,000 | 8,865 |
| Provision for loan and lease losses | $280,000 | 3,324 |
| Total noninterest income | $153,000 | 7,778 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $37,000 | 7,623 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $116,000 | 6,281 |
| Total noninterest expense | $889,000 | 8,110 |
| Salaries and employee benefits | $437,000 | 8,284 |
| Premises and equipment expense | $144,000 | 7,479 |
| Additional noninterest expense | $308,000 | 7,714 |
| Pre-tax net operating income | $-577,000 | 8,853 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-577,000 | 8,930 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-577,000 | 8,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,241 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-577,000 | 8,873 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $618,000 | 8,814 |
| Total interest expense | $280,000 | 8,334 |
| Net interest income | $338,000 | 8,933 |
| Provision for loan and lease losses | $280,000 | 2,641 |
| Total noninterest income | $103,000 | 7,983 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $17,000 | 7,874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,352 |
| Total noninterest expense | $670,000 | 8,088 |
| Salaries and employee benefits | $341,000 | 8,238 |
| Premises and equipment expense | $87,000 | 7,866 |
| Additional noninterest expense | $242,000 | 7,632 |
| Pre-tax net operating income | $-509,000 | 8,962 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-509,000 | 9,029 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-509,000 | 9,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,333 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-509,000 | 8,974 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $413,000 | 8,858 |
| Total interest expense | $190,000 | 8,398 |
| Net interest income | $223,000 | 8,971 |
| Provision for loan and lease losses | $280,000 | 1,947 |
| Total noninterest income | $70,000 | 7,961 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $39,000 | 6,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $449,000 | 8,104 |
| Salaries and employee benefits | $226,000 | 8,289 |
| Premises and equipment expense | $47,000 | 8,170 |
| Additional noninterest expense | $176,000 | 7,450 |
| Pre-tax net operating income | $-436,000 | 9,041 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-436,000 | 9,109 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-436,000 | 9,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,402 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-436,000 | 9,047 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $189,000 | 8,969 |
| Total interest expense | $97,000 | 8,461 |
| Net interest income | $92,000 | 9,097 |
| Provision for loan and lease losses | $280,000 | 1,012 |
| Total noninterest income | $33,000 | 8,028 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $208,000 | 8,271 |
| Salaries and employee benefits | $114,000 | 8,304 |
| Premises and equipment expense | $22,000 | 8,271 |
| Additional noninterest expense | $72,000 | 7,882 |
| Pre-tax net operating income | $-363,000 | 9,172 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-363,000 | 9,214 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-363,000 | 9,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,449 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-363,000 | 9,164 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 8,872 |
| Total interest expense | $537,000 | 8,280 |
| Net interest income | $447,000 | 9,054 |
| Provision for loan and lease losses | $815,000 | 1,602 |
| Total noninterest income | $182,000 | 7,500 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $41,000 | 7,669 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $141,000 | 5,735 |
| Total noninterest expense | $1,297,000 | 7,251 |
| Salaries and employee benefits | $487,000 | 8,192 |
| Premises and equipment expense | $167,000 | 7,209 |
| Additional noninterest expense | $643,000 | 5,689 |
| Pre-tax net operating income | $-1,483,000 | 9,203 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,483,000 | 9,243 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,483,000 | 9,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,016,000 | 962 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,900,000 | 305 |
| Net operating income | $-1,483,000 | 9,210 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,684,000 | 8,545 |
| Total interest expense | $1,002,000 | 8,019 |
| Net interest income | $682,000 | 8,881 |
| Provision for loan and lease losses | $350,000 | 2,901 |
| Total noninterest income | $181,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $127,000 | 6,132 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $54,000 | 7,574 |
| Total noninterest expense | $1,080,000 | 7,751 |
| Salaries and employee benefits | $426,000 | 8,511 |
| Premises and equipment expense | $158,000 | 7,401 |
| Additional noninterest expense | $496,000 | 6,462 |
| Pre-tax net operating income | $-567,000 | 9,196 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-553,000 | 9,256 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-553,000 | 9,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-567,000 | 9,225 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,660,000 | 8,776 |
| Total interest expense | $985,000 | 8,256 |
| Net interest income | $675,000 | 9,170 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $150,000 | 7,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 6,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,469 |
| Total noninterest expense | $765,000 | 8,662 |
| Salaries and employee benefits | $372,000 | 8,893 |
| Premises and equipment expense | $131,000 | 7,898 |
| Additional noninterest expense | $262,000 | 8,241 |
| Pre-tax net operating income | $30,000 | 9,021 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $30,000 | 9,030 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $30,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $30,000 | 9,015 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 9,236 |
| Total interest expense | $755,000 | 8,809 |
| Net interest income | $611,000 | 9,484 |
| Provision for loan and lease losses | $11,000 | 8,085 |
| Total noninterest income | $85,000 | 9,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,868 |
| Total noninterest expense | $672,000 | 9,106 |
| Salaries and employee benefits | $355,000 | 9,157 |
| Premises and equipment expense | $90,000 | 8,819 |
| Additional noninterest expense | $227,000 | 8,772 |
| Pre-tax net operating income | $13,000 | 9,360 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $15,000 | 9,392 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $15,000 | 9,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $13,000 | 9,365 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 9,764 |
| Total interest expense | $589,000 | 9,505 |
| Net interest income | $510,000 | 9,901 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $66,000 | 9,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,199 |
| Total noninterest expense | $560,000 | 9,583 |
| Salaries and employee benefits | $311,000 | 9,567 |
| Premises and equipment expense | $71,000 | 9,346 |
| Additional noninterest expense | $178,000 | 9,367 |
| Pre-tax net operating income | $16,000 | 9,736 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $4,000 | 9,224 |
| Income before extraordinary items | $26,000 | 9,740 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $26,000 | 9,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $13,820 | 9,734 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $789,000 | 10,490 |
| Total interest expense | $391,000 | 10,352 |
| Net interest income | $398,000 | 10,554 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $38,000 | 10,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,800 |
| Total noninterest expense | $416,000 | 10,418 |
| Salaries and employee benefits | $237,000 | 10,354 |
| Premises and equipment expense | $51,000 | 10,179 |
| Additional noninterest expense | $128,000 | 10,250 |
| Pre-tax net operating income | $20,000 | 10,320 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $21,000 | 10,352 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $21,000 | 10,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $20,000 | 10,312 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $427,000 | 11,293 |
| Total interest expense | $145,000 | 11,286 |
| Net interest income | $282,000 | 11,250 |
| Provision for loan and lease losses | $113,000 | 4,832 |
| Total noninterest income | $22,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,358 |
| Total noninterest expense | $404,000 | 10,953 |
| Salaries and employee benefits | $215,000 | 10,935 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $129,000 | 10,805 |
| Pre-tax net operating income | $-213,000 | 11,079 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-38,000 | 11,049 |
| Income before extraordinary items | $-175,000 | 11,084 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-175,000 | 11,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-175,000 | 11,044 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $56,000 | 11,950 |
| Total interest expense | $11,000 | 11,936 |
| Net interest income | $45,000 | 11,949 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $2,000 | 11,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,898 |
| Total noninterest expense | $150,000 | 11,920 |
| Salaries and employee benefits | $84,000 | 11,900 |
| Premises and equipment expense | $22,000 | 11,772 |
| Additional noninterest expense | $44,000 | 11,919 |
| Pre-tax net operating income | $-114,000 | 11,604 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-114,000 | 11,616 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-114,000 | 11,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,572,000 | 177 |
| Net operating income | $-114,000 | 11,596 |
* 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.