Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,055,000 | 1,973 |
| Total interest expense | $1,110,000 | 2,062 |
| Net interest income | $2,945,000 | 1,932 |
| Provision for loan and lease losses | $2,147,000 | 713 |
| Total noninterest income | $536,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $325,000 | 1,205 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $211,000 | 2,313 |
| Total noninterest expense | $1,786,000 | 2,724 |
| Salaries and employee benefits | $803,000 | 3,010 |
| Premises and equipment expense | $88,000 | 5,241 |
| Additional noninterest expense | $895,000 | 1,914 |
| Pre-tax net operating income | $-452,000 | 7,145 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-214,000 | 7,572 |
| Income before extraordinary items | $-238,000 | 6,994 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-238,000 | 6,995 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-238,000 | 6,994 |
| Net charge-offs | $1,259,000 | 883 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $-238,000 | 6,956 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,621,000 | 2,048 |
| Total interest expense | $5,457,000 | 2,085 |
| Net interest income | $11,164,000 | 1,976 |
| Provision for loan and lease losses | $4,454,000 | 1,551 |
| Total noninterest income | $1,529,000 | 2,524 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,276,000 | 1,349 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $253,000 | 4,252 |
| Total noninterest expense | $6,695,000 | 2,903 |
| Salaries and employee benefits | $2,933,000 | 3,245 |
| Premises and equipment expense | $395,000 | 5,023 |
| Additional noninterest expense | $3,367,000 | 2,125 |
| Pre-tax net operating income | $1,544,000 | 2,311 |
| Securities gains (losses) | $112,000 | 2,047 |
| Applicable income taxes | $515,000 | 1,533 |
| Income before extraordinary items | $1,141,000 | 2,547 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,141,000 | 2,545 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,141,000 | 2,546 |
| Net charge-offs | $784,000 | 3,203 |
| Cash dividends | $2,650,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,283 |
| Net operating income | $1,063,720 | 2,626 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,447,000 | 2,081 |
| Total interest expense | $4,202,000 | 2,125 |
| Net interest income | $8,245,000 | 1,995 |
| Provision for loan and lease losses | $3,235,000 | 1,415 |
| Total noninterest income | $1,016,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $932,000 | 1,393 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $84,000 | 5,611 |
| Total noninterest expense | $5,025,000 | 2,899 |
| Salaries and employee benefits | $2,239,000 | 3,217 |
| Premises and equipment expense | $299,000 | 5,046 |
| Additional noninterest expense | $2,487,000 | 2,122 |
| Pre-tax net operating income | $1,001,000 | 2,733 |
| Securities gains (losses) | $112,000 | 1,743 |
| Applicable income taxes | $350,000 | 1,766 |
| Income before extraordinary items | $763,000 | 2,956 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $763,000 | 2,954 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $763,000 | 2,957 |
| Net charge-offs | $457,000 | 3,162 |
| Cash dividends | $2,650,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,192 |
| Net operating income | $685,720 | 3,081 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,202,000 | 2,144 |
| Total interest expense | $2,824,000 | 2,194 |
| Net interest income | $5,378,000 | 2,037 |
| Provision for loan and lease losses | $1,308,000 | 1,772 |
| Total noninterest income | $545,000 | 3,213 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $586,000 | 1,447 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-41,000 | 7,892 |
| Total noninterest expense | $3,402,000 | 2,883 |
| Salaries and employee benefits | $1,552,000 | 3,148 |
| Premises and equipment expense | $206,000 | 4,998 |
| Additional noninterest expense | $1,644,000 | 2,162 |
| Pre-tax net operating income | $1,213,000 | 1,808 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $426,000 | 1,213 |
| Income before extraordinary items | $787,000 | 2,257 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $787,000 | 2,254 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $787,000 | 2,256 |
| Net charge-offs | $183,000 | 3,534 |
| Cash dividends | $1,840,000 | 488 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,077 |
| Net operating income | $787,000 | 2,198 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 2,178 |
| Total interest expense | $1,410,000 | 2,266 |
| Net interest income | $2,670,000 | 2,050 |
| Provision for loan and lease losses | $362,000 | 2,095 |
| Total noninterest income | $478,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $283,000 | 1,450 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $195,000 | 2,552 |
| Total noninterest expense | $1,551,000 | 3,050 |
| Salaries and employee benefits | $775,000 | 3,183 |
| Premises and equipment expense | $122,000 | 4,572 |
| Additional noninterest expense | $654,000 | 2,372 |
| Pre-tax net operating income | $1,235,000 | 1,031 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $462,000 | 734 |
| Income before extraordinary items | $773,000 | 1,420 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $773,000 | 1,419 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $773,000 | 1,422 |
| Net charge-offs | $158,000 | 2,362 |
| Cash dividends | $889,000 | 518 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 955 |
| Net operating income | $773,000 | 1,338 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,892,000 | 2,013 |
| Total interest expense | $7,529,000 | 2,074 |
| Net interest income | $11,363,000 | 1,956 |
| Provision for loan and lease losses | $2,482,000 | 1,574 |
| Total noninterest income | $1,756,000 | 2,345 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,097,000 | 1,621 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $659,000 | 2,742 |
| Total noninterest expense | $6,223,000 | 2,972 |
| Salaries and employee benefits | $3,214,000 | 3,063 |
| Premises and equipment expense | $472,000 | 4,621 |
| Additional noninterest expense | $2,537,000 | 2,314 |
| Pre-tax net operating income | $4,414,000 | 1,237 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,649,000 | 798 |
| Income before extraordinary items | $2,765,000 | 1,474 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,765,000 | 1,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,052,000 | 1,269 |
| Cash dividends | $2,643,000 | 1,034 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 1,109 |
| Net operating income | $2,765,000 | 1,572 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,383,000 | 2,023 |
| Total interest expense | $5,901,000 | 2,072 |
| Net interest income | $8,482,000 | 1,982 |
| Provision for loan and lease losses | $1,392,000 | 1,507 |
| Total noninterest income | $1,355,000 | 2,374 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $807,000 | 1,656 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $548,000 | 2,669 |
| Total noninterest expense | $4,769,000 | 2,893 |
| Salaries and employee benefits | $2,465,000 | 3,029 |
| Premises and equipment expense | $380,000 | 4,446 |
| Additional noninterest expense | $1,924,000 | 2,236 |
| Pre-tax net operating income | $3,676,000 | 1,335 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,378,000 | 901 |
| Income before extraordinary items | $2,298,000 | 1,579 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,298,000 | 1,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,951,000 | 839 |
| Cash dividends | $1,644,000 | 1,212 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 979 |
| Net operating income | $2,298,000 | 1,662 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,684,000 | 2,045 |
| Total interest expense | $4,083,000 | 2,092 |
| Net interest income | $5,601,000 | 1,994 |
| Provision for loan and lease losses | $751,000 | 1,461 |
| Total noninterest income | $989,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $525,000 | 1,681 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $464,000 | 2,363 |
| Total noninterest expense | $3,230,000 | 2,856 |
| Salaries and employee benefits | $1,668,000 | 3,015 |
| Premises and equipment expense | $261,000 | 4,392 |
| Additional noninterest expense | $1,301,000 | 2,176 |
| Pre-tax net operating income | $2,609,000 | 1,333 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $981,000 | 961 |
| Income before extraordinary items | $1,628,000 | 1,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,628,000 | 1,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,057,000 | 836 |
| Cash dividends | $1,452,000 | 1,033 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 847 |
| Net operating income | $1,628,000 | 1,633 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,029,000 | 2,024 |
| Total interest expense | $2,203,000 | 2,078 |
| Net interest income | $2,826,000 | 1,980 |
| Provision for loan and lease losses | $280,000 | 1,468 |
| Total noninterest income | $534,000 | 2,142 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $292,000 | 1,496 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $242,000 | 2,278 |
| Total noninterest expense | $1,685,000 | 2,748 |
| Salaries and employee benefits | $888,000 | 2,881 |
| Premises and equipment expense | $135,000 | 4,310 |
| Additional noninterest expense | $662,000 | 2,111 |
| Pre-tax net operating income | $1,395,000 | 1,356 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $527,000 | 972 |
| Income before extraordinary items | $868,000 | 1,702 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $868,000 | 1,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,776 |
| Cash dividends | $561,000 | 1,236 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $868,000 | 1,641 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,518,000 | 1,966 |
| Total interest expense | $10,278,000 | 1,911 |
| Net interest income | $11,240,000 | 2,023 |
| Provision for loan and lease losses | $538,000 | 2,224 |
| Total noninterest income | $2,303,000 | 2,000 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,236,000 | 1,453 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,067,000 | 2,128 |
| Total noninterest expense | $6,707,000 | 2,696 |
| Salaries and employee benefits | $3,750,000 | 2,645 |
| Premises and equipment expense | $443,000 | 4,721 |
| Additional noninterest expense | $2,514,000 | 2,171 |
| Pre-tax net operating income | $6,298,000 | 1,341 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,361,000 | 979 |
| Income before extraordinary items | $3,937,000 | 1,622 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,937,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 2,325 |
| Cash dividends | $2,244,000 | 1,488 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 944 |
| Net operating income | $3,937,000 | 1,609 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,116,000 | 1,968 |
| Total interest expense | $7,738,000 | 1,912 |
| Net interest income | $8,378,000 | 2,050 |
| Provision for loan and lease losses | $517,000 | 1,531 |
| Total noninterest income | $1,733,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $921,000 | 1,433 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $812,000 | 2,104 |
| Total noninterest expense | $5,054,000 | 2,664 |
| Salaries and employee benefits | $2,837,000 | 2,608 |
| Premises and equipment expense | $334,000 | 4,689 |
| Additional noninterest expense | $1,883,000 | 2,119 |
| Pre-tax net operating income | $4,540,000 | 1,486 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,719,000 | 1,094 |
| Income before extraordinary items | $2,821,000 | 1,785 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,821,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 1,653 |
| Cash dividends | $1,613,000 | 1,420 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 812 |
| Net operating income | $2,821,000 | 1,771 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,589,000 | 2,007 |
| Total interest expense | $5,077,000 | 1,938 |
| Net interest income | $5,512,000 | 2,103 |
| Provision for loan and lease losses | $241,000 | 1,862 |
| Total noninterest income | $1,069,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $605,000 | 1,461 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $464,000 | 2,360 |
| Total noninterest expense | $3,387,000 | 2,673 |
| Salaries and employee benefits | $1,894,000 | 2,644 |
| Premises and equipment expense | $225,000 | 4,674 |
| Additional noninterest expense | $1,268,000 | 2,116 |
| Pre-tax net operating income | $2,953,000 | 1,569 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,118,000 | 1,175 |
| Income before extraordinary items | $1,835,000 | 1,884 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,835,000 | 1,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,609 |
| Cash dividends | $743,000 | 1,915 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 681 |
| Net operating income | $1,835,000 | 1,865 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,172,000 | 2,049 |
| Total interest expense | $2,483,000 | 1,957 |
| Net interest income | $2,689,000 | 2,156 |
| Provision for loan and lease losses | $235,000 | 1,023 |
| Total noninterest income | $508,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $299,000 | 1,436 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $209,000 | 2,482 |
| Total noninterest expense | $1,716,000 | 2,653 |
| Salaries and employee benefits | $953,000 | 2,654 |
| Premises and equipment expense | $112,000 | 4,711 |
| Additional noninterest expense | $651,000 | 2,016 |
| Pre-tax net operating income | $1,246,000 | 1,811 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $470,000 | 1,342 |
| Income before extraordinary items | $776,000 | 2,117 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $776,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,850 |
| Cash dividends | $351,000 | 1,792 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 603 |
| Net operating income | $776,000 | 2,107 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,872,000 | 2,092 |
| Total interest expense | $8,073,000 | 2,026 |
| Net interest income | $10,799,000 | 2,149 |
| Provision for loan and lease losses | $445,000 | 2,096 |
| Total noninterest income | $2,032,000 | 2,198 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,346,000 | 1,327 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $686,000 | 2,797 |
| Total noninterest expense | $6,695,000 | 2,617 |
| Salaries and employee benefits | $3,848,000 | 2,527 |
| Premises and equipment expense | $455,000 | 4,531 |
| Additional noninterest expense | $2,392,000 | 2,188 |
| Pre-tax net operating income | $5,691,000 | 1,693 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,161,000 | 1,253 |
| Income before extraordinary items | $3,530,000 | 2,003 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,530,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,812 |
| Cash dividends | $2,547,000 | 1,273 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 771 |
| Net operating income | $3,530,000 | 1,992 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,716,000 | 2,141 |
| Total interest expense | $5,642,000 | 2,096 |
| Net interest income | $8,074,000 | 2,164 |
| Provision for loan and lease losses | $170,000 | 3,189 |
| Total noninterest income | $1,537,000 | 2,193 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,046,000 | 1,279 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $491,000 | 2,876 |
| Total noninterest expense | $5,026,000 | 2,609 |
| Salaries and employee benefits | $2,935,000 | 2,485 |
| Premises and equipment expense | $328,000 | 4,650 |
| Additional noninterest expense | $1,763,000 | 2,209 |
| Pre-tax net operating income | $4,415,000 | 1,681 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,666,000 | 1,287 |
| Income before extraordinary items | $2,749,000 | 1,980 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,749,000 | 1,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,397 |
| Cash dividends | $2,547,000 | 944 |
| Sale, conversion, retirement of capital stock, net | $172,000 | 623 |
| Net operating income | $2,749,000 | 1,968 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,842,000 | 2,169 |
| Total interest expense | $3,443,000 | 2,162 |
| Net interest income | $5,399,000 | 2,165 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $1,026,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $710,000 | 1,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $316,000 | 2,916 |
| Total noninterest expense | $3,292,000 | 2,669 |
| Salaries and employee benefits | $1,875,000 | 2,580 |
| Premises and equipment expense | $217,000 | 4,682 |
| Additional noninterest expense | $1,200,000 | 2,173 |
| Pre-tax net operating income | $3,103,000 | 1,603 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,176,000 | 1,220 |
| Income before extraordinary items | $1,927,000 | 1,898 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,927,000 | 1,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,216 |
| Cash dividends | $1,651,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $153,000 | 469 |
| Net operating income | $1,927,000 | 1,882 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 2,168 |
| Total interest expense | $1,645,000 | 2,162 |
| Net interest income | $2,681,000 | 2,167 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $497,000 | 2,201 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $343,000 | 1,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $154,000 | 2,933 |
| Total noninterest expense | $1,585,000 | 2,766 |
| Salaries and employee benefits | $894,000 | 2,696 |
| Premises and equipment expense | $109,000 | 4,692 |
| Additional noninterest expense | $582,000 | 2,220 |
| Pre-tax net operating income | $1,593,000 | 1,538 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $604,000 | 1,189 |
| Income before extraordinary items | $989,000 | 1,811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $989,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $755,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $989,000 | 1,798 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,689,000 | 2,123 |
| Total interest expense | $5,124,000 | 2,154 |
| Net interest income | $10,565,000 | 2,100 |
| Provision for loan and lease losses | $106,000 | 4,730 |
| Total noninterest income | $1,967,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,399,000 | 1,268 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $568,000 | 3,161 |
| Total noninterest expense | $5,861,000 | 2,809 |
| Salaries and employee benefits | $3,086,000 | 2,904 |
| Premises and equipment expense | $362,000 | 5,177 |
| Additional noninterest expense | $2,413,000 | 2,083 |
| Pre-tax net operating income | $6,565,000 | 1,452 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,490,000 | 1,130 |
| Income before extraordinary items | $4,075,000 | 1,721 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,075,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,530 |
| Cash dividends | $3,018,000 | 1,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,075,000 | 1,691 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,479,000 | 2,126 |
| Total interest expense | $3,612,000 | 2,159 |
| Net interest income | $7,867,000 | 2,102 |
| Provision for loan and lease losses | $173,000 | 3,274 |
| Total noninterest income | $1,496,000 | 2,214 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,049,000 | 1,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $447,000 | 3,082 |
| Total noninterest expense | $4,380,000 | 2,793 |
| Salaries and employee benefits | $2,334,000 | 2,839 |
| Premises and equipment expense | $271,000 | 5,168 |
| Additional noninterest expense | $1,775,000 | 2,098 |
| Pre-tax net operating income | $4,810,000 | 1,487 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,823,000 | 1,168 |
| Income before extraordinary items | $2,987,000 | 1,762 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,987,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,093 |
| Cash dividends | $2,197,000 | 979 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,987,000 | 1,730 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,460,000 | 2,120 |
| Total interest expense | $2,287,000 | 2,153 |
| Net interest income | $5,173,000 | 2,098 |
| Provision for loan and lease losses | $122,000 | 2,993 |
| Total noninterest income | $986,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $684,000 | 1,242 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $302,000 | 3,041 |
| Total noninterest expense | $2,941,000 | 2,753 |
| Salaries and employee benefits | $1,579,000 | 2,792 |
| Premises and equipment expense | $188,000 | 5,028 |
| Additional noninterest expense | $1,174,000 | 2,093 |
| Pre-tax net operating income | $3,096,000 | 1,506 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,172,000 | 1,199 |
| Income before extraordinary items | $1,924,000 | 1,777 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,924,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 1,611 |
| Cash dividends | $1,376,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,924,000 | 1,743 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,656,000 | 2,115 |
| Total interest expense | $1,114,000 | 2,112 |
| Net interest income | $2,542,000 | 2,123 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $476,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $331,000 | 1,239 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $145,000 | 3,034 |
| Total noninterest expense | $1,464,000 | 2,783 |
| Salaries and employee benefits | $765,000 | 2,875 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $611,000 | 2,005 |
| Pre-tax net operating income | $1,509,000 | 1,509 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $569,000 | 1,203 |
| Income before extraordinary items | $940,000 | 1,796 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $940,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $555,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $940,000 | 1,752 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,773,000 | 2,062 |
| Total interest expense | $3,734,000 | 2,173 |
| Net interest income | $10,039,000 | 2,020 |
| Provision for loan and lease losses | $420,000 | 2,272 |
| Total noninterest income | $1,875,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,377,000 | 1,287 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $498,000 | 3,312 |
| Total noninterest expense | $5,854,000 | 2,711 |
| Salaries and employee benefits | $3,129,000 | 2,732 |
| Premises and equipment expense | $357,000 | 5,139 |
| Additional noninterest expense | $2,368,000 | 2,063 |
| Pre-tax net operating income | $5,640,000 | 1,512 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,122,000 | 1,202 |
| Income before extraordinary items | $3,518,000 | 1,804 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,518,000 | 1,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,462 |
| Cash dividends | $2,389,000 | 1,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,518,000 | 1,760 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,148,000 | 2,066 |
| Total interest expense | $2,674,000 | 2,219 |
| Net interest income | $7,474,000 | 2,011 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $1,366,000 | 2,357 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,010,000 | 1,328 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $356,000 | 3,409 |
| Total noninterest expense | $4,433,000 | 2,650 |
| Salaries and employee benefits | $2,376,000 | 2,692 |
| Premises and equipment expense | $273,000 | 5,062 |
| Additional noninterest expense | $1,784,000 | 2,019 |
| Pre-tax net operating income | $4,107,000 | 1,572 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,541,000 | 1,251 |
| Income before extraordinary items | $2,566,000 | 1,862 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,566,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $1,816,000 | 1,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,566,000 | 1,815 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,638,000 | 2,106 |
| Total interest expense | $1,722,000 | 2,267 |
| Net interest income | $4,916,000 | 2,027 |
| Provision for loan and lease losses | $200,000 | 2,196 |
| Total noninterest income | $900,000 | 2,369 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $664,000 | 1,334 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $236,000 | 3,426 |
| Total noninterest expense | $2,909,000 | 2,698 |
| Salaries and employee benefits | $1,547,000 | 2,757 |
| Premises and equipment expense | $183,000 | 5,061 |
| Additional noninterest expense | $1,179,000 | 2,042 |
| Pre-tax net operating income | $2,707,000 | 1,560 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,016,000 | 1,265 |
| Income before extraordinary items | $1,691,000 | 1,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,691,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $1,242,000 | 1,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,691,000 | 1,809 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 2,104 |
| Total interest expense | $861,000 | 2,290 |
| Net interest income | $2,460,000 | 2,033 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $436,000 | 2,395 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $324,000 | 1,321 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $112,000 | 3,473 |
| Total noninterest expense | $1,483,000 | 2,651 |
| Salaries and employee benefits | $788,000 | 2,727 |
| Premises and equipment expense | $94,000 | 5,013 |
| Additional noninterest expense | $601,000 | 1,975 |
| Pre-tax net operating income | $1,293,000 | 1,610 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $484,000 | 1,330 |
| Income before extraordinary items | $809,000 | 1,939 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $809,000 | 1,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $668,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $809,000 | 1,853 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,425,000 | 2,121 |
| Total interest expense | $3,831,000 | 2,307 |
| Net interest income | $9,594,000 | 2,042 |
| Provision for loan and lease losses | $9,000 | 7,413 |
| Total noninterest income | $1,785,000 | 2,509 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,174,000 | 1,468 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $611,000 | 3,216 |
| Total noninterest expense | $5,832,000 | 2,658 |
| Salaries and employee benefits | $3,102,000 | 2,700 |
| Premises and equipment expense | $348,000 | 5,192 |
| Additional noninterest expense | $2,382,000 | 2,023 |
| Pre-tax net operating income | $5,538,000 | 1,493 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,079,000 | 1,250 |
| Income before extraordinary items | $3,459,000 | 1,797 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,459,000 | 1,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,948 |
| Cash dividends | $2,672,000 | 1,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,459,000 | 1,717 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,104,000 | 2,143 |
| Total interest expense | $2,968,000 | 2,316 |
| Net interest income | $7,136,000 | 2,067 |
| Provision for loan and lease losses | $94,000 | 4,767 |
| Total noninterest income | $1,280,000 | 2,648 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $863,000 | 1,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $417,000 | 3,452 |
| Total noninterest expense | $4,279,000 | 2,726 |
| Salaries and employee benefits | $2,293,000 | 2,728 |
| Premises and equipment expense | $254,000 | 5,274 |
| Additional noninterest expense | $1,732,000 | 2,075 |
| Pre-tax net operating income | $4,043,000 | 1,569 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,516,000 | 1,345 |
| Income before extraordinary items | $2,527,000 | 1,898 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,527,000 | 1,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,972 |
| Cash dividends | $1,900,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,527,000 | 1,797 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,757,000 | 2,148 |
| Total interest expense | $2,052,000 | 2,315 |
| Net interest income | $4,705,000 | 2,082 |
| Provision for loan and lease losses | $174,000 | 2,792 |
| Total noninterest income | $858,000 | 2,617 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $590,000 | 1,448 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $268,000 | 3,501 |
| Total noninterest expense | $2,863,000 | 2,713 |
| Salaries and employee benefits | $1,522,000 | 2,745 |
| Premises and equipment expense | $173,000 | 5,176 |
| Additional noninterest expense | $1,168,000 | 2,048 |
| Pre-tax net operating income | $2,526,000 | 1,660 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $945,000 | 1,431 |
| Income before extraordinary items | $1,581,000 | 2,008 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,581,000 | 2,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,486 |
| Cash dividends | $1,250,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,581,000 | 1,902 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,412,000 | 2,156 |
| Total interest expense | $1,055,000 | 2,308 |
| Net interest income | $2,357,000 | 2,076 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $464,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $306,000 | 1,356 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 3,120 |
| Total noninterest expense | $1,422,000 | 2,720 |
| Salaries and employee benefits | $744,000 | 2,798 |
| Premises and equipment expense | $92,000 | 4,977 |
| Additional noninterest expense | $586,000 | 2,005 |
| Pre-tax net operating income | $1,349,000 | 1,559 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $505,000 | 1,367 |
| Income before extraordinary items | $844,000 | 1,876 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $844,000 | 1,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,560 |
| Cash dividends | $569,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $844,000 | 1,770 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,381,000 | 2,134 |
| Total interest expense | $4,628,000 | 2,403 |
| Net interest income | $9,753,000 | 1,984 |
| Provision for loan and lease losses | $710,000 | 1,805 |
| Total noninterest income | $1,645,000 | 2,469 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,139,000 | 1,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $506,000 | 3,273 |
| Total noninterest expense | $5,803,000 | 2,552 |
| Salaries and employee benefits | $3,070,000 | 2,570 |
| Premises and equipment expense | $418,000 | 4,491 |
| Additional noninterest expense | $2,315,000 | 2,002 |
| Pre-tax net operating income | $4,885,000 | 1,663 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,823,000 | 1,397 |
| Income before extraordinary items | $3,062,000 | 1,955 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,062,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,430 |
| Cash dividends | $1,912,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,062,000 | 1,892 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,374,000 | 2,222 |
| Total interest expense | $6,866,000 | 2,329 |
| Net interest income | $8,508,000 | 2,096 |
| Provision for loan and lease losses | $399,000 | 2,633 |
| Total noninterest income | $1,440,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $996,000 | 1,479 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $444,000 | 3,336 |
| Total noninterest expense | $5,472,000 | 2,588 |
| Salaries and employee benefits | $2,908,000 | 2,579 |
| Premises and equipment expense | $438,000 | 4,319 |
| Additional noninterest expense | $2,126,000 | 2,111 |
| Pre-tax net operating income | $4,077,000 | 1,748 |
| Securities gains (losses) | $203,000 | 1,182 |
| Applicable income taxes | $1,582,000 | 1,429 |
| Income before extraordinary items | $2,698,000 | 1,952 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,698,000 | 1,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 1,510 |
| Cash dividends | $3,091,000 | 895 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,568,080 | 1,958 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,673,000 | 2,245 |
| Total interest expense | $7,505,000 | 2,262 |
| Net interest income | $8,168,000 | 2,175 |
| Provision for loan and lease losses | $1,133,000 | 965 |
| Total noninterest income | $1,435,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $864,000 | 1,586 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $571,000 | 2,708 |
| Total noninterest expense | $5,122,000 | 2,659 |
| Salaries and employee benefits | $2,564,000 | 2,770 |
| Premises and equipment expense | $449,000 | 4,139 |
| Additional noninterest expense | $2,109,000 | 2,056 |
| Pre-tax net operating income | $3,348,000 | 2,161 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,201,000 | 1,824 |
| Income before extraordinary items | $2,147,000 | 2,382 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,147,000 | 2,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $885,000 | 822 |
| Cash dividends | $3,515,000 | 837 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,147,000 | 2,390 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,842,000 | 2,199 |
| Total interest expense | $6,649,000 | 2,220 |
| Net interest income | $8,193,000 | 2,146 |
| Provision for loan and lease losses | $530,000 | 1,685 |
| Total noninterest income | $1,446,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $779,000 | 1,695 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $667,000 | 2,453 |
| Total noninterest expense | $5,275,000 | 2,563 |
| Salaries and employee benefits | $2,763,000 | 2,544 |
| Premises and equipment expense | $441,000 | 4,194 |
| Additional noninterest expense | $2,071,000 | 2,103 |
| Pre-tax net operating income | $3,834,000 | 1,923 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,352,000 | 1,731 |
| Income before extraordinary items | $2,482,000 | 2,111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,482,000 | 2,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,571 |
| Cash dividends | $2,849,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,482,000 | 2,082 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,389,000 | 2,118 |
| Total interest expense | $7,397,000 | 2,060 |
| Net interest income | $7,992,000 | 2,133 |
| Provision for loan and lease losses | $119,000 | 4,792 |
| Total noninterest income | $1,772,000 | 2,004 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $851,000 | 1,481 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $921,000 | 1,977 |
| Total noninterest expense | $5,497,000 | 2,380 |
| Salaries and employee benefits | $2,885,000 | 2,340 |
| Premises and equipment expense | $446,000 | 4,045 |
| Additional noninterest expense | $2,166,000 | 1,952 |
| Pre-tax net operating income | $4,148,000 | 1,764 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,448,000 | 1,686 |
| Income before extraordinary items | $2,700,000 | 1,934 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,700,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $2,423,000 | 1,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,700,000 | 1,861 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,532,000 | 2,105 |
| Total interest expense | $7,477,000 | 2,048 |
| Net interest income | $8,055,000 | 2,182 |
| Provision for loan and lease losses | $303,000 | 2,554 |
| Total noninterest income | $1,444,000 | 2,276 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $854,000 | 1,516 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $590,000 | 2,513 |
| Total noninterest expense | $5,248,000 | 2,460 |
| Salaries and employee benefits | $2,750,000 | 2,421 |
| Premises and equipment expense | $496,000 | 3,732 |
| Additional noninterest expense | $2,002,000 | 2,090 |
| Pre-tax net operating income | $3,948,000 | 1,904 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,403,000 | 1,798 |
| Income before extraordinary items | $2,549,000 | 2,074 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,549,000 | 2,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,411 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,546,440 | 2,023 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,573,000 | 2,659 |
| Total interest expense | $6,827,000 | 2,265 |
| Net interest income | $5,746,000 | 3,078 |
| Provision for loan and lease losses | $13,000 | 8,331 |
| Total noninterest income | $987,000 | 3,159 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $484,000 | 2,799 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $503,000 | 2,908 |
| Total noninterest expense | $4,876,000 | 2,805 |
| Salaries and employee benefits | $2,129,000 | 3,142 |
| Premises and equipment expense | $390,000 | 4,633 |
| Additional noninterest expense | $2,357,000 | 2,116 |
| Pre-tax net operating income | $1,844,000 | 3,635 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $623,000 | 3,478 |
| Income before extraordinary items | $1,217,000 | 3,829 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,217,000 | 3,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,632 |
| Cash dividends | $394,000 | 3,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,219,640 | 3,771 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,124,000 | 2,981 |
| Total interest expense | $6,111,000 | 2,507 |
| Net interest income | $5,013,000 | 3,525 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $1,044,000 | 2,999 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $391,000 | 3,433 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $653,000 | 2,405 |
| Total noninterest expense | $3,632,000 | 3,615 |
| Salaries and employee benefits | $1,850,000 | 3,559 |
| Premises and equipment expense | $362,000 | 4,911 |
| Additional noninterest expense | $1,420,000 | 3,230 |
| Pre-tax net operating income | $2,422,000 | 2,940 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $844,000 | 2,757 |
| Income before extraordinary items | $1,578,000 | 3,099 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,578,000 | 3,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,053 |
| Cash dividends | $2,221,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,578,000 | 3,073 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,405,000 | 3,211 |
| Total interest expense | $4,605,000 | 2,654 |
| Net interest income | $4,800,000 | 3,702 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $757,000 | 3,890 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $334,000 | 3,993 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $423,000 | 3,295 |
| Total noninterest expense | $3,228,000 | 4,140 |
| Salaries and employee benefits | $1,734,000 | 3,762 |
| Premises and equipment expense | $314,000 | 5,513 |
| Additional noninterest expense | $1,180,000 | 4,111 |
| Pre-tax net operating income | $2,317,000 | 3,029 |
| Securities gains (losses) | $-31,000 | 10,677 |
| Applicable income taxes | $790,000 | 2,800 |
| Income before extraordinary items | $1,496,000 | 3,186 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,496,000 | 3,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,113 |
| Cash dividends | $1,998,000 | 1,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,516,150 | 3,165 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,432,000 | 3,278 |
| Total interest expense | $4,843,000 | 2,651 |
| Net interest income | $4,589,000 | 3,860 |
| Provision for loan and lease losses | $55,000 | 7,245 |
| Total noninterest income | $1,066,000 | 3,176 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $342,000 | 3,970 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $724,000 | 2,539 |
| Total noninterest expense | $3,125,000 | 4,356 |
| Salaries and employee benefits | $1,593,000 | 4,044 |
| Premises and equipment expense | $351,000 | 5,221 |
| Additional noninterest expense | $1,181,000 | 4,247 |
| Pre-tax net operating income | $2,475,000 | 2,728 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $846,000 | 2,639 |
| Income before extraordinary items | $1,637,000 | 2,984 |
| Extraordinary gains, net | $967,000 | 240 |
| Net income | $2,604,000 | 1,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,631,720 | 2,836 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,433,000 | 3,350 |
| Total interest expense | $6,003,000 | 2,773 |
| Net interest income | $4,430,000 | 4,057 |
| Provision for loan and lease losses | $245,000 | 4,644 |
| Total noninterest income | $951,000 | 3,452 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $297,000 | 4,486 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $654,000 | 2,672 |
| Total noninterest expense | $2,988,000 | 4,554 |
| Salaries and employee benefits | $1,482,000 | 4,282 |
| Premises and equipment expense | $336,000 | 5,522 |
| Additional noninterest expense | $1,170,000 | 4,441 |
| Pre-tax net operating income | $2,148,000 | 2,898 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $700,000 | 2,982 |
| Income before extraordinary items | $1,485,000 | 3,106 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,485,000 | 3,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 6,145 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,459,840 | 2,927 |
* 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.