Home > Citizens First Bank, Inc. > Income and Expense
Citizens First Bank, Inc., Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 7,301 |
| Total interest expense | $482,000 | 7,548 |
| Net interest income | $1,139,000 | 7,028 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $176,000 | 6,351 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $86,000 | 5,742 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 5,787 |
| Total noninterest expense | $775,000 | 7,512 |
| Salaries and employee benefits | $337,000 | 7,814 |
| Premises and equipment expense | $131,000 | 6,942 |
| Additional noninterest expense | $307,000 | 6,997 |
| Pre-tax net operating income | $540,000 | 4,813 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $185,000 | 2,998 |
| Income before extraordinary items | $355,000 | 4,973 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $355,000 | 4,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,144 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $355,000 | 5,136 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $641,000 | 7,962 |
| Total interest expense | $196,000 | 8,032 |
| Net interest income | $445,000 | 7,828 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $69,000 | 7,153 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $34,000 | 6,431 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $35,000 | 6,595 |
| Total noninterest expense | $326,000 | 8,079 |
| Salaries and employee benefits | $153,000 | 8,176 |
| Premises and equipment expense | $62,000 | 7,477 |
| Additional noninterest expense | $111,000 | 7,866 |
| Pre-tax net operating income | $188,000 | 5,896 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $61,000 | 3,888 |
| Income before extraordinary items | $127,000 | 6,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 6,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,273 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $127,000 | 6,082 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,047,000 | 6,113 |
| Total interest expense | $422,000 | 6,139 |
| Net interest income | $625,000 | 6,000 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $77,000 | 5,937 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $43,000 | 5,092 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $34,000 | 5,717 |
| Total noninterest expense | $449,000 | 6,572 |
| Salaries and employee benefits | $221,000 | 6,791 |
| Premises and equipment expense | $50,000 | 6,769 |
| Additional noninterest expense | $178,000 | 5,696 |
| Pre-tax net operating income | $253,000 | 4,507 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $88,000 | 2,948 |
| Income before extraordinary items | $165,000 | 5,063 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $165,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $24,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $165,000 | 4,948 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,352,000 | 6,061 |
| Total interest expense | $1,842,000 | 6,009 |
| Net interest income | $2,510,000 | 5,970 |
| Provision for loan and lease losses | $35,000 | 5,986 |
| Total noninterest income | $313,000 | 5,957 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $186,000 | 5,045 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $127,000 | 5,854 |
| Total noninterest expense | $1,876,000 | 6,375 |
| Salaries and employee benefits | $912,000 | 6,657 |
| Premises and equipment expense | $214,000 | 6,588 |
| Additional noninterest expense | $750,000 | 5,549 |
| Pre-tax net operating income | $912,000 | 4,924 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $341,000 | 3,209 |
| Income before extraordinary items | $571,000 | 5,450 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $571,000 | 5,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,799 |
| Cash dividends | $276,000 | 4,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $571,000 | 5,424 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 6,077 |
| Total interest expense | $1,406,000 | 5,996 |
| Net interest income | $1,871,000 | 6,012 |
| Provision for loan and lease losses | $35,000 | 5,456 |
| Total noninterest income | $232,000 | 6,029 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $137,000 | 5,103 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $95,000 | 5,889 |
| Total noninterest expense | $1,388,000 | 6,390 |
| Salaries and employee benefits | $654,000 | 6,745 |
| Premises and equipment expense | $160,000 | 6,611 |
| Additional noninterest expense | $574,000 | 5,436 |
| Pre-tax net operating income | $680,000 | 5,182 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $306,000 | 3,178 |
| Income before extraordinary items | $374,000 | 5,950 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $374,000 | 5,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $16,000 | 5,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $374,000 | 5,939 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 6,084 |
| Total interest expense | $955,000 | 5,976 |
| Net interest income | $1,245,000 | 6,060 |
| Provision for loan and lease losses | $35,000 | 4,774 |
| Total noninterest income | $148,000 | 6,162 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $90,000 | 5,147 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $58,000 | 6,055 |
| Total noninterest expense | $910,000 | 6,493 |
| Salaries and employee benefits | $445,000 | 6,761 |
| Premises and equipment expense | $96,000 | 6,843 |
| Additional noninterest expense | $369,000 | 5,535 |
| Pre-tax net operating income | $448,000 | 5,274 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $196,000 | 3,305 |
| Income before extraordinary items | $252,000 | 5,998 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $252,000 | 5,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,059 |
| Cash dividends | $16,000 | 4,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $252,000 | 5,986 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 6,098 |
| Total interest expense | $471,000 | 6,001 |
| Net interest income | $625,000 | 6,063 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $69,000 | 6,268 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $449,000 | 6,552 |
| Salaries and employee benefits | $214,000 | 6,882 |
| Premises and equipment expense | $56,000 | 6,566 |
| Additional noninterest expense | $179,000 | 5,608 |
| Pre-tax net operating income | $210,000 | 5,408 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $102,000 | 3,242 |
| Income before extraordinary items | $108,000 | 6,275 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $108,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,299 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $108,000 | 6,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,120,000 | 6,039 |
| Total interest expense | $1,561,000 | 6,022 |
| Net interest income | $2,559,000 | 5,958 |
| Provision for loan and lease losses | $130,000 | 4,259 |
| Total noninterest income | $294,000 | 6,220 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $186,000 | 5,128 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 6,200 |
| Total noninterest expense | $1,716,000 | 6,553 |
| Salaries and employee benefits | $857,000 | 6,789 |
| Premises and equipment expense | $220,000 | 6,512 |
| Additional noninterest expense | $639,000 | 5,887 |
| Pre-tax net operating income | $1,007,000 | 5,187 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $433,000 | 3,332 |
| Income before extraordinary items | $574,000 | 5,908 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $574,000 | 5,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,811 |
| Cash dividends | $32,000 | 5,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $574,000 | 5,905 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,030,000 | 6,103 |
| Total interest expense | $1,109,000 | 6,100 |
| Net interest income | $1,921,000 | 6,013 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $221,000 | 6,270 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $139,000 | 5,188 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $82,000 | 6,193 |
| Total noninterest expense | $1,288,000 | 6,569 |
| Salaries and employee benefits | $641,000 | 6,780 |
| Premises and equipment expense | $161,000 | 6,593 |
| Additional noninterest expense | $486,000 | 5,850 |
| Pre-tax net operating income | $754,000 | 5,347 |
| Securities gains (losses) | $-4,000 | 7,334 |
| Applicable income taxes | $317,000 | 3,508 |
| Income before extraordinary items | $433,000 | 6,077 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $433,000 | 6,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,997 |
| Cash dividends | $16,000 | 5,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $435,560 | 6,057 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,994,000 | 6,118 |
| Total interest expense | $704,000 | 6,119 |
| Net interest income | $1,290,000 | 6,024 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $136,000 | 6,420 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $88,000 | 5,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,430 |
| Total noninterest expense | $861,000 | 6,585 |
| Salaries and employee benefits | $436,000 | 6,769 |
| Premises and equipment expense | $106,000 | 6,637 |
| Additional noninterest expense | $319,000 | 5,882 |
| Pre-tax net operating income | $495,000 | 5,421 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $213,000 | 3,534 |
| Income before extraordinary items | $282,000 | 6,148 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $282,000 | 6,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $16,000 | 4,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $282,000 | 6,151 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $969,000 | 6,171 |
| Total interest expense | $337,000 | 6,127 |
| Net interest income | $632,000 | 6,098 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $59,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $422,000 | 6,634 |
| Salaries and employee benefits | $207,000 | 6,903 |
| Premises and equipment expense | $54,000 | 6,597 |
| Additional noninterest expense | $161,000 | 5,843 |
| Pre-tax net operating income | $229,000 | 5,548 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $97,000 | 3,641 |
| Income before extraordinary items | $132,000 | 6,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,032 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $132,000 | 6,220 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 6,089 |
| Total interest expense | $1,108,000 | 6,028 |
| Net interest income | $2,525,000 | 6,019 |
| Provision for loan and lease losses | $166,000 | 3,950 |
| Total noninterest income | $242,000 | 6,736 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $136,000 | 5,799 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $106,000 | 6,316 |
| Total noninterest expense | $1,676,000 | 6,598 |
| Salaries and employee benefits | $818,000 | 6,869 |
| Premises and equipment expense | $240,000 | 6,315 |
| Additional noninterest expense | $618,000 | 5,967 |
| Pre-tax net operating income | $925,000 | 5,570 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $360,000 | 3,864 |
| Income before extraordinary items | $565,000 | 6,128 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $565,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,752 |
| Cash dividends | $16,000 | 5,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $565,000 | 6,095 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,698,000 | 6,106 |
| Total interest expense | $800,000 | 6,017 |
| Net interest income | $1,898,000 | 6,039 |
| Provision for loan and lease losses | $105,000 | 4,091 |
| Total noninterest income | $169,000 | 6,899 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $90,000 | 6,031 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $79,000 | 6,334 |
| Total noninterest expense | $1,259,000 | 6,608 |
| Salaries and employee benefits | $615,000 | 6,858 |
| Premises and equipment expense | $170,000 | 6,427 |
| Additional noninterest expense | $474,000 | 5,867 |
| Pre-tax net operating income | $703,000 | 5,628 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $291,000 | 3,852 |
| Income before extraordinary items | $412,000 | 6,299 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $412,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,098 |
| Cash dividends | $12,000 | 5,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $412,000 | 6,259 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 6,116 |
| Total interest expense | $505,000 | 6,019 |
| Net interest income | $1,251,000 | 6,059 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $106,000 | 6,966 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $55,000 | 6,149 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $51,000 | 6,373 |
| Total noninterest expense | $836,000 | 6,625 |
| Salaries and employee benefits | $397,000 | 6,935 |
| Premises and equipment expense | $112,000 | 6,458 |
| Additional noninterest expense | $327,000 | 5,737 |
| Pre-tax net operating income | $456,000 | 5,669 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $196,000 | 3,819 |
| Income before extraordinary items | $260,000 | 6,423 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $260,000 | 6,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,872 |
| Cash dividends | $8,000 | 5,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $260,000 | 6,376 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $855,000 | 6,198 |
| Total interest expense | $238,000 | 6,102 |
| Net interest income | $617,000 | 6,138 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $51,000 | 7,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,283 |
| Total noninterest expense | $397,000 | 6,786 |
| Salaries and employee benefits | $196,000 | 7,033 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $151,000 | 5,984 |
| Pre-tax net operating income | $241,000 | 5,528 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $96,000 | 3,827 |
| Income before extraordinary items | $145,000 | 6,171 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $145,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,841 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $145,000 | 6,128 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 6,208 |
| Total interest expense | $877,000 | 6,012 |
| Net interest income | $2,357,000 | 6,177 |
| Provision for loan and lease losses | $200,000 | 3,677 |
| Total noninterest income | $203,000 | 7,130 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $106,000 | 6,388 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $97,000 | 6,480 |
| Total noninterest expense | $1,615,000 | 6,681 |
| Salaries and employee benefits | $808,000 | 6,898 |
| Premises and equipment expense | $220,000 | 6,530 |
| Additional noninterest expense | $587,000 | 6,056 |
| Pre-tax net operating income | $745,000 | 5,960 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $280,000 | 4,284 |
| Income before extraordinary items | $465,000 | 6,487 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $465,000 | 6,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,779 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $465,000 | 6,434 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,390,000 | 6,261 |
| Total interest expense | $650,000 | 6,035 |
| Net interest income | $1,740,000 | 6,227 |
| Provision for loan and lease losses | $140,000 | 3,657 |
| Total noninterest income | $157,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $79,000 | 6,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 6,347 |
| Total noninterest expense | $1,191,000 | 6,697 |
| Salaries and employee benefits | $596,000 | 6,919 |
| Premises and equipment expense | $177,000 | 6,323 |
| Additional noninterest expense | $418,000 | 6,183 |
| Pre-tax net operating income | $566,000 | 6,038 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $222,000 | 4,286 |
| Income before extraordinary items | $344,000 | 6,644 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $344,000 | 6,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,170 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $344,000 | 6,576 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,553,000 | 6,353 |
| Total interest expense | $437,000 | 6,029 |
| Net interest income | $1,116,000 | 6,355 |
| Provision for loan and lease losses | $95,000 | 3,576 |
| Total noninterest income | $99,000 | 7,262 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $60,000 | 6,233 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $768,000 | 6,829 |
| Salaries and employee benefits | $380,000 | 7,077 |
| Premises and equipment expense | $115,000 | 6,434 |
| Additional noninterest expense | $273,000 | 6,271 |
| Pre-tax net operating income | $352,000 | 6,172 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $148,000 | 4,273 |
| Income before extraordinary items | $204,000 | 6,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $204,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $204,000 | 6,782 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 6,459 |
| Total interest expense | $215,000 | 6,147 |
| Net interest income | $540,000 | 6,480 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $53,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $374,000 | 6,949 |
| Salaries and employee benefits | $190,000 | 7,115 |
| Premises and equipment expense | $45,000 | 7,009 |
| Additional noninterest expense | $139,000 | 6,236 |
| Pre-tax net operating income | $169,000 | 6,189 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $59,000 | 4,619 |
| Income before extraordinary items | $110,000 | 6,699 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $110,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,364 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $110,000 | 6,578 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 6,763 |
| Total interest expense | $885,000 | 6,448 |
| Net interest income | $1,895,000 | 6,748 |
| Provision for loan and lease losses | $123,000 | 4,909 |
| Total noninterest income | $167,000 | 7,639 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $103,000 | 6,512 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $64,000 | 7,230 |
| Total noninterest expense | $1,394,000 | 7,081 |
| Salaries and employee benefits | $658,000 | 7,470 |
| Premises and equipment expense | $179,000 | 7,037 |
| Additional noninterest expense | $557,000 | 6,216 |
| Pre-tax net operating income | $545,000 | 6,531 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $198,000 | 4,945 |
| Income before extraordinary items | $347,000 | 7,056 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $347,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,208 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $347,000 | 6,909 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 6,897 |
| Total interest expense | $660,000 | 6,621 |
| Net interest income | $1,378,000 | 6,876 |
| Provision for loan and lease losses | $93,000 | 4,780 |
| Total noninterest income | $125,000 | 7,698 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $60,000 | 6,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 6,817 |
| Total noninterest expense | $1,035,000 | 7,116 |
| Salaries and employee benefits | $499,000 | 7,397 |
| Premises and equipment expense | $131,000 | 7,100 |
| Additional noninterest expense | $405,000 | 6,303 |
| Pre-tax net operating income | $375,000 | 6,817 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $134,000 | 5,252 |
| Income before extraordinary items | $241,000 | 7,323 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $241,000 | 7,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,826 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $241,000 | 7,154 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,321,000 | 7,021 |
| Total interest expense | $434,000 | 6,776 |
| Net interest income | $887,000 | 7,003 |
| Provision for loan and lease losses | $63,000 | 4,642 |
| Total noninterest income | $81,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $36,000 | 7,105 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $671,000 | 7,209 |
| Salaries and employee benefits | $324,000 | 7,483 |
| Premises and equipment expense | $98,000 | 6,822 |
| Additional noninterest expense | $249,000 | 6,534 |
| Pre-tax net operating income | $234,000 | 6,947 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $84,000 | 5,355 |
| Income before extraordinary items | $150,000 | 7,450 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $150,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $150,000 | 7,265 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $629,000 | 7,192 |
| Total interest expense | $219,000 | 6,827 |
| Net interest income | $410,000 | 7,221 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $34,000 | 7,988 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $333,000 | 7,254 |
| Salaries and employee benefits | $170,000 | 7,401 |
| Premises and equipment expense | $48,000 | 6,893 |
| Additional noninterest expense | $115,000 | 6,763 |
| Pre-tax net operating income | $88,000 | 7,397 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $29,000 | 5,756 |
| Income before extraordinary items | $59,000 | 7,706 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $59,000 | 7,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,762 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $59,000 | 7,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 7,939 |
| Total interest expense | $728,000 | 7,732 |
| Net interest income | $1,189,000 | 7,960 |
| Provision for loan and lease losses | $245,000 | 3,904 |
| Total noninterest income | $95,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $27,000 | 7,890 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $1,138,000 | 7,621 |
| Salaries and employee benefits | $551,000 | 7,925 |
| Premises and equipment expense | $163,000 | 7,269 |
| Additional noninterest expense | $424,000 | 6,987 |
| Pre-tax net operating income | $-99,000 | 8,761 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-61,000 | 9,014 |
| Income before extraordinary items | $-38,000 | 8,778 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-38,000 | 8,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-38,000 | 8,708 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $331,000 | 9,492 |
| Total interest expense | $80,000 | 9,479 |
| Net interest income | $251,000 | 9,458 |
| Provision for loan and lease losses | $117,000 | 5,349 |
| Total noninterest income | $43,000 | 9,232 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,000 | 8,339 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $635,000 | 8,839 |
| Salaries and employee benefits | $264,000 | 9,202 |
| Premises and equipment expense | $56,000 | 9,022 |
| Additional noninterest expense | $315,000 | 7,746 |
| Pre-tax net operating income | $-458,000 | 9,144 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-165,000 | 9,353 |
| Income before extraordinary items | $-293,000 | 9,117 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-293,000 | 9,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 219 |
| Net operating income | $-293,000 | 9,063 |
* 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.