Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 7,286 |
| Total interest expense | $938,000 | 7,266 |
| Net interest income | $1,445,000 | 7,195 |
| Provision for loan and lease losses | $350,000 | 2,914 |
| Total noninterest income | $189,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $148,000 | 5,446 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $41,000 | 7,281 |
| Total noninterest expense | $1,765,000 | 6,532 |
| Salaries and employee benefits | $706,000 | 7,236 |
| Premises and equipment expense | $351,000 | 5,398 |
| Additional noninterest expense | $708,000 | 5,701 |
| Pre-tax net operating income | $-481,000 | 7,804 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-174,000 | 8,106 |
| Income before extraordinary items | $-307,000 | 7,786 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-307,000 | 7,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,621 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-307,000 | 7,765 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,856,000 | 3,333 |
| Total interest expense | $3,555,000 | 3,600 |
| Net interest income | $5,301,000 | 3,081 |
| Provision for loan and lease losses | $1,378,000 | 693 |
| Total noninterest income | $756,000 | 3,517 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $611,000 | 2,078 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $145,000 | 5,158 |
| Total noninterest expense | $5,027,000 | 2,676 |
| Salaries and employee benefits | $2,565,000 | 2,847 |
| Premises and equipment expense | $768,000 | 2,508 |
| Additional noninterest expense | $1,694,000 | 2,342 |
| Pre-tax net operating income | $-348,000 | 7,987 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-117,000 | 8,254 |
| Income before extraordinary items | $-231,000 | 7,960 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-231,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,270,000 | 554 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-231,000 | 7,943 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,105,000 | 3,250 |
| Total interest expense | $2,497,000 | 3,461 |
| Net interest income | $3,608,000 | 3,047 |
| Provision for loan and lease losses | $400,000 | 1,235 |
| Total noninterest income | $530,000 | 3,439 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $430,000 | 1,994 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $100,000 | 5,125 |
| Total noninterest expense | $3,430,000 | 2,645 |
| Salaries and employee benefits | $1,774,000 | 2,798 |
| Premises and equipment expense | $493,000 | 2,620 |
| Additional noninterest expense | $1,163,000 | 2,285 |
| Pre-tax net operating income | $308,000 | 5,980 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $105,000 | 4,078 |
| Income before extraordinary items | $203,000 | 6,348 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $203,000 | 6,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 1,390 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $203,000 | 6,345 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 3,325 |
| Total interest expense | $1,182,000 | 3,572 |
| Net interest income | $1,772,000 | 3,081 |
| Provision for loan and lease losses | $225,000 | 1,053 |
| Total noninterest income | $274,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $191,000 | 2,128 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $1,761,000 | 2,595 |
| Salaries and employee benefits | $908,000 | 2,766 |
| Premises and equipment expense | $242,000 | 2,662 |
| Additional noninterest expense | $611,000 | 2,155 |
| Pre-tax net operating income | $60,000 | 7,160 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $52,000 | 7,127 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $52,000 | 7,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,697 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $52,000 | 7,113 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,557,000 | 3,436 |
| Total interest expense | $3,077,000 | 4,257 |
| Net interest income | $7,480,000 | 2,927 |
| Provision for loan and lease losses | $4,135,000 | 291 |
| Total noninterest income | $1,238,000 | 3,060 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $905,000 | 1,905 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $333,000 | 4,097 |
| Total noninterest expense | $6,135,000 | 2,823 |
| Salaries and employee benefits | $3,463,000 | 2,753 |
| Premises and equipment expense | $873,000 | 2,782 |
| Additional noninterest expense | $1,799,000 | 2,819 |
| Pre-tax net operating income | $-1,552,000 | 8,534 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-566,000 | 8,588 |
| Income before extraordinary items | $-986,000 | 8,455 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-986,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,729,000 | 241 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-986,000 | 8,445 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,673,000 | 3,495 |
| Total interest expense | $2,093,000 | 4,417 |
| Net interest income | $5,580,000 | 2,969 |
| Provision for loan and lease losses | $1,315,000 | 597 |
| Total noninterest income | $914,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $710,000 | 1,839 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $204,000 | 4,502 |
| Total noninterest expense | $4,477,000 | 2,876 |
| Salaries and employee benefits | $2,498,000 | 2,850 |
| Premises and equipment expense | $649,000 | 2,816 |
| Additional noninterest expense | $1,330,000 | 2,846 |
| Pre-tax net operating income | $702,000 | 5,526 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $246,000 | 3,868 |
| Income before extraordinary items | $456,000 | 5,969 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $456,000 | 5,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,097,000 | 428 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $456,000 | 5,967 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,405,000 | 3,858 |
| Total interest expense | $1,226,000 | 4,650 |
| Net interest income | $3,179,000 | 3,409 |
| Provision for loan and lease losses | $570,000 | 879 |
| Total noninterest income | $1,076,000 | 2,111 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $135,000 | 4,352 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $941,000 | 1,423 |
| Total noninterest expense | $2,943,000 | 2,925 |
| Salaries and employee benefits | $1,648,000 | 2,881 |
| Premises and equipment expense | $435,000 | 2,789 |
| Additional noninterest expense | $860,000 | 2,935 |
| Pre-tax net operating income | $742,000 | 4,493 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $260,000 | 3,238 |
| Income before extraordinary items | $482,000 | 4,974 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $482,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,554 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $482,000 | 4,965 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 4,004 |
| Total interest expense | $546,000 | 4,865 |
| Net interest income | $1,506,000 | 3,527 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $566,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $65,000 | 4,375 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $501,000 | 1,338 |
| Total noninterest expense | $1,491,000 | 2,887 |
| Salaries and employee benefits | $856,000 | 2,807 |
| Premises and equipment expense | $222,000 | 2,763 |
| Additional noninterest expense | $413,000 | 3,028 |
| Pre-tax net operating income | $431,000 | 4,108 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $149,000 | 3,048 |
| Income before extraordinary items | $282,000 | 4,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $282,000 | 4,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 883 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $282,000 | 4,562 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,098,000 | 4,106 |
| Total interest expense | $1,755,000 | 4,818 |
| Net interest income | $5,343,000 | 3,768 |
| Provision for loan and lease losses | $800,000 | 1,260 |
| Total noninterest income | $1,887,000 | 2,315 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $267,000 | 4,429 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,620,000 | 1,573 |
| Total noninterest expense | $5,360,000 | 3,057 |
| Salaries and employee benefits | $2,890,000 | 3,074 |
| Premises and equipment expense | $734,000 | 3,119 |
| Additional noninterest expense | $1,736,000 | 2,851 |
| Pre-tax net operating income | $1,070,000 | 5,179 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $404,000 | 3,683 |
| Income before extraordinary items | $666,000 | 5,771 |
| Extraordinary gains, net | $16,000 | 36 |
| Net income | $682,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $716,000 | 872 |
| Cash dividends | $161,000 | 5,114 |
| Sale, conversion, retirement of capital stock, net | $3,600,000 | 340 |
| Net operating income | $666,000 | 5,743 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,105,000 | 4,175 |
| Total interest expense | $1,265,000 | 4,792 |
| Net interest income | $3,840,000 | 3,880 |
| Provision for loan and lease losses | $700,000 | 1,063 |
| Total noninterest income | $1,412,000 | 2,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 4,405 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,207,000 | 1,583 |
| Total noninterest expense | $4,106,000 | 2,948 |
| Salaries and employee benefits | $2,148,000 | 3,067 |
| Premises and equipment expense | $527,000 | 3,206 |
| Additional noninterest expense | $1,431,000 | 2,570 |
| Pre-tax net operating income | $446,000 | 6,589 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $148,000 | 4,820 |
| Income before extraordinary items | $298,000 | 6,930 |
| Extraordinary gains, net | $16,000 | 26 |
| Net income | $314,000 | 6,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 765 |
| Cash dividends | $161,000 | 4,281 |
| Sale, conversion, retirement of capital stock, net | $3,600,000 | 248 |
| Net operating income | $298,000 | 6,888 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 4,229 |
| Total interest expense | $753,000 | 4,945 |
| Net interest income | $2,517,000 | 3,900 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $956,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $135,000 | 4,395 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $821,000 | 1,544 |
| Total noninterest expense | $2,745,000 | 2,939 |
| Salaries and employee benefits | $1,466,000 | 2,983 |
| Premises and equipment expense | $342,000 | 3,251 |
| Additional noninterest expense | $937,000 | 2,602 |
| Pre-tax net operating income | $478,000 | 5,571 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $159,000 | 4,161 |
| Income before extraordinary items | $319,000 | 5,987 |
| Extraordinary gains, net | $16,000 | 22 |
| Net income | $335,000 | 5,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,208 |
| Cash dividends | $161,000 | 3,743 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 197 |
| Net operating income | $319,000 | 5,934 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 4,350 |
| Total interest expense | $334,000 | 5,183 |
| Net interest income | $1,230,000 | 3,988 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $546,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $64,000 | 4,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $482,000 | 1,359 |
| Total noninterest expense | $1,375,000 | 2,933 |
| Salaries and employee benefits | $765,000 | 2,875 |
| Premises and equipment expense | $173,000 | 3,260 |
| Additional noninterest expense | $437,000 | 2,772 |
| Pre-tax net operating income | $281,000 | 5,166 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $88,000 | 3,973 |
| Income before extraordinary items | $193,000 | 5,506 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $193,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 747 |
| Cash dividends | $161,000 | 2,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $193,000 | 5,473 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,260,000 | 4,679 |
| Total interest expense | $1,090,000 | 5,410 |
| Net interest income | $4,170,000 | 4,352 |
| Provision for loan and lease losses | $304,000 | 2,881 |
| Total noninterest income | $1,731,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $261,000 | 4,654 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,470,000 | 1,663 |
| Total noninterest expense | $4,776,000 | 3,253 |
| Salaries and employee benefits | $2,613,000 | 3,228 |
| Premises and equipment expense | $690,000 | 3,162 |
| Additional noninterest expense | $1,473,000 | 3,172 |
| Pre-tax net operating income | $821,000 | 5,727 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $268,000 | 4,361 |
| Income before extraordinary items | $553,000 | 6,143 |
| Extraordinary gains, net | $293,000 | 13 |
| Net income | $846,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,535 |
| Cash dividends | $182,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $553,000 | 6,070 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 4,787 |
| Total interest expense | $799,000 | 5,450 |
| Net interest income | $3,003,000 | 4,465 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,282,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $200,000 | 4,636 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,082,000 | 1,678 |
| Total noninterest expense | $3,434,000 | 3,339 |
| Salaries and employee benefits | $1,897,000 | 3,292 |
| Premises and equipment expense | $515,000 | 3,177 |
| Additional noninterest expense | $1,022,000 | 3,367 |
| Pre-tax net operating income | $626,000 | 5,781 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $198,000 | 4,450 |
| Income before extraordinary items | $428,000 | 6,158 |
| Extraordinary gains, net | $295,000 | 7 |
| Net income | $723,000 | 4,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $428,000 | 6,093 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 4,844 |
| Total interest expense | $507,000 | 5,609 |
| Net interest income | $1,996,000 | 4,487 |
| Provision for loan and lease losses | $165,000 | 2,550 |
| Total noninterest income | $859,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $724,000 | 1,675 |
| Total noninterest expense | $2,348,000 | 3,292 |
| Salaries and employee benefits | $1,253,000 | 3,324 |
| Premises and equipment expense | $341,000 | 3,203 |
| Additional noninterest expense | $754,000 | 3,106 |
| Pre-tax net operating income | $342,000 | 6,233 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $118,000 | 4,630 |
| Income before extraordinary items | $224,000 | 6,677 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $224,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 1,457 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $224,000 | 6,590 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 4,860 |
| Total interest expense | $251,000 | 5,695 |
| Net interest income | $1,000,000 | 4,483 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $430,000 | 2,417 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $63,000 | 4,680 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $367,000 | 1,634 |
| Total noninterest expense | $1,164,000 | 3,310 |
| Salaries and employee benefits | $641,000 | 3,273 |
| Premises and equipment expense | $171,000 | 3,220 |
| Additional noninterest expense | $352,000 | 3,268 |
| Pre-tax net operating income | $176,000 | 6,113 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $123,000 | 6,459 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $123,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,290 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $123,000 | 6,340 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,024,000 | 4,878 |
| Total interest expense | $1,164,000 | 5,662 |
| Net interest income | $3,860,000 | 4,469 |
| Provision for loan and lease losses | $1,080,000 | 1,105 |
| Total noninterest income | $1,920,000 | 2,382 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,659,000 | 1,686 |
| Total noninterest expense | $5,024,000 | 3,038 |
| Salaries and employee benefits | $2,686,000 | 3,064 |
| Premises and equipment expense | $658,000 | 3,250 |
| Additional noninterest expense | $1,680,000 | 2,778 |
| Pre-tax net operating income | $-324,000 | 8,752 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-77,000 | 8,918 |
| Income before extraordinary items | $-247,000 | 8,802 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-247,000 | 8,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,196,000 | 801 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-247,000 | 8,736 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,882,000 | 4,824 |
| Total interest expense | $914,000 | 5,663 |
| Net interest income | $2,968,000 | 4,415 |
| Provision for loan and lease losses | $855,000 | 1,029 |
| Total noninterest income | $1,381,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $192,000 | 4,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,189,000 | 1,823 |
| Total noninterest expense | $3,800,000 | 3,015 |
| Salaries and employee benefits | $2,021,000 | 3,064 |
| Premises and equipment expense | $478,000 | 3,338 |
| Additional noninterest expense | $1,301,000 | 2,700 |
| Pre-tax net operating income | $-306,000 | 8,876 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-98,000 | 9,062 |
| Income before extraordinary items | $-208,000 | 8,904 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-208,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $927,000 | 730 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-208,000 | 8,839 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,577,000 | 4,886 |
| Total interest expense | $641,000 | 5,621 |
| Net interest income | $1,936,000 | 4,491 |
| Provision for loan and lease losses | $705,000 | 871 |
| Total noninterest income | $852,000 | 2,629 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $128,000 | 4,692 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $724,000 | 1,918 |
| Total noninterest expense | $2,563,000 | 2,987 |
| Salaries and employee benefits | $1,367,000 | 3,026 |
| Premises and equipment expense | $294,000 | 3,559 |
| Additional noninterest expense | $902,000 | 2,610 |
| Pre-tax net operating income | $-480,000 | 9,059 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-159,000 | 9,167 |
| Income before extraordinary items | $-321,000 | 9,072 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-321,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $679,000 | 686 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-321,000 | 9,009 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,273,000 | 4,947 |
| Total interest expense | $335,000 | 5,579 |
| Net interest income | $938,000 | 4,592 |
| Provision for loan and lease losses | $625,000 | 526 |
| Total noninterest income | $400,000 | 2,685 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $340,000 | 1,935 |
| Total noninterest expense | $1,323,000 | 2,894 |
| Salaries and employee benefits | $695,000 | 2,979 |
| Premises and equipment expense | $141,000 | 3,672 |
| Additional noninterest expense | $487,000 | 2,387 |
| Pre-tax net operating income | $-610,000 | 9,227 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-205,000 | 9,256 |
| Income before extraordinary items | $-405,000 | 9,221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-405,000 | 9,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $637,000 | 417 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-405,000 | 9,173 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,541,000 | 4,815 |
| Total interest expense | $1,689,000 | 5,344 |
| Net interest income | $3,852,000 | 4,473 |
| Provision for loan and lease losses | $582,000 | 2,124 |
| Total noninterest income | $2,663,000 | 1,709 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $280,000 | 4,386 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,383,000 | 1,167 |
| Total noninterest expense | $4,931,000 | 2,961 |
| Salaries and employee benefits | $2,657,000 | 2,964 |
| Premises and equipment expense | $574,000 | 3,547 |
| Additional noninterest expense | $1,700,000 | 2,667 |
| Pre-tax net operating income | $1,002,000 | 5,200 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $350,000 | 4,161 |
| Income before extraordinary items | $652,000 | 5,744 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $652,000 | 5,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,697 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $652,000 | 5,606 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,482,000 | 4,685 |
| Total interest expense | $2,781,000 | 5,020 |
| Net interest income | $3,701,000 | 4,387 |
| Provision for loan and lease losses | $1,975,000 | 720 |
| Total noninterest income | $1,344,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $197,000 | 5,199 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,147,000 | 1,860 |
| Total noninterest expense | $4,919,000 | 2,867 |
| Salaries and employee benefits | $2,777,000 | 2,685 |
| Premises and equipment expense | $534,000 | 3,687 |
| Additional noninterest expense | $1,608,000 | 2,704 |
| Pre-tax net operating income | $-1,849,000 | 9,475 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-633,000 | 9,520 |
| Income before extraordinary items | $-1,216,000 | 9,462 |
| Extraordinary gains, net | $-726,000 | 9,564 |
| Net income | $-1,942,000 | 9,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,880,000 | 596 |
| Cash dividends | $220,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,216,000 | 9,426 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,410,000 | 4,374 |
| Total interest expense | $3,012,000 | 4,908 |
| Net interest income | $4,398,000 | 3,881 |
| Provision for loan and lease losses | $974,000 | 1,094 |
| Total noninterest income | $2,186,000 | 1,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,511 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,018,000 | 1,122 |
| Total noninterest expense | $4,462,000 | 3,021 |
| Salaries and employee benefits | $2,686,000 | 2,651 |
| Premises and equipment expense | $493,000 | 3,830 |
| Additional noninterest expense | $1,283,000 | 3,215 |
| Pre-tax net operating income | $1,148,000 | 4,854 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $379,000 | 4,094 |
| Income before extraordinary items | $769,000 | 5,160 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $769,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,028,000 | 734 |
| Cash dividends | $220,000 | 4,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $769,000 | 5,153 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,762,000 | 4,523 |
| Total interest expense | $2,803,000 | 4,853 |
| Net interest income | $3,959,000 | 4,208 |
| Provision for loan and lease losses | $389,000 | 2,161 |
| Total noninterest income | $2,316,000 | 1,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,114,000 | 1,107 |
| Total noninterest expense | $4,130,000 | 3,222 |
| Salaries and employee benefits | $2,498,000 | 2,806 |
| Premises and equipment expense | $453,000 | 4,097 |
| Additional noninterest expense | $1,179,000 | 3,485 |
| Pre-tax net operating income | $1,756,000 | 3,679 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $592,000 | 3,248 |
| Income before extraordinary items | $1,164,000 | 3,973 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,164,000 | 3,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,668 |
| Cash dividends | $195,000 | 5,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,164,000 | 3,939 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,905,000 | 5,061 |
| Total interest expense | $2,632,000 | 5,187 |
| Net interest income | $3,273,000 | 4,830 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $1,753,000 | 2,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,560,000 | 1,369 |
| Total noninterest expense | $3,228,000 | 3,866 |
| Salaries and employee benefits | $1,898,000 | 3,503 |
| Premises and equipment expense | $321,000 | 5,170 |
| Additional noninterest expense | $1,009,000 | 3,931 |
| Pre-tax net operating income | $1,478,000 | 4,225 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $503,000 | 3,816 |
| Income before extraordinary items | $975,000 | 4,600 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $975,000 | 4,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,465 |
| Cash dividends | $147,000 | 5,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $975,000 | 4,502 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,486,000 | 6,241 |
| Total interest expense | $2,077,000 | 6,121 |
| Net interest income | $2,409,000 | 6,205 |
| Provision for loan and lease losses | $304,000 | 2,552 |
| Total noninterest income | $1,428,000 | 2,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,376 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,049,000 | 1,691 |
| Total noninterest expense | $2,414,000 | 4,924 |
| Salaries and employee benefits | $1,291,000 | 4,809 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $848,000 | 4,524 |
| Pre-tax net operating income | $1,119,000 | 5,468 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $383,000 | 5,011 |
| Income before extraordinary items | $736,000 | 5,736 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $736,000 | 5,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,446 |
| Cash dividends | $129,000 | 6,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $736,000 | 5,694 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,846,000 | 7,009 |
| Total interest expense | $1,776,000 | 6,896 |
| Net interest income | $2,070,000 | 7,006 |
| Provision for loan and lease losses | $192,000 | 3,515 |
| Total noninterest income | $1,193,000 | 2,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $800,000 | 2,102 |
| Total noninterest expense | $2,129,000 | 5,679 |
| Salaries and employee benefits | $1,198,000 | 5,215 |
| Premises and equipment expense | $217,000 | 6,740 |
| Additional noninterest expense | $714,000 | 5,663 |
| Pre-tax net operating income | $942,000 | 5,946 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $329,000 | 5,529 |
| Income before extraordinary items | $613,000 | 6,191 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $613,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,426 |
| Cash dividends | $95,000 | 6,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $613,000 | 6,134 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,414,000 | 7,669 |
| Total interest expense | $1,650,000 | 7,272 |
| Net interest income | $1,764,000 | 7,865 |
| Provision for loan and lease losses | $126,000 | 3,989 |
| Total noninterest income | $771,000 | 3,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $418,000 | 3,215 |
| Total noninterest expense | $1,729,000 | 6,657 |
| Salaries and employee benefits | $911,000 | 6,509 |
| Premises and equipment expense | $185,000 | 7,503 |
| Additional noninterest expense | $633,000 | 6,314 |
| Pre-tax net operating income | $680,000 | 7,418 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $232,000 | 6,930 |
| Income before extraordinary items | $448,000 | 7,656 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $448,000 | 7,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $64,000 | 7,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $448,000 | 7,624 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 8,817 |
| Total interest expense | $1,002,000 | 8,686 |
| Net interest income | $1,552,000 | 8,729 |
| Provision for loan and lease losses | $130,000 | 3,886 |
| Total noninterest income | $531,000 | 5,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 4,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,108 |
| Total noninterest expense | $1,489,000 | 7,634 |
| Salaries and employee benefits | $707,000 | 7,816 |
| Premises and equipment expense | $160,000 | 8,293 |
| Additional noninterest expense | $622,000 | 6,878 |
| Pre-tax net operating income | $464,000 | 8,892 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $140,000 | 8,513 |
| Income before extraordinary items | $324,000 | 8,890 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $324,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,552 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $324,000 | 8,935 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,142,000 | 9,909 |
| Total interest expense | $777,000 | 10,164 |
| Net interest income | $1,365,000 | 9,529 |
| Provision for loan and lease losses | $168,000 | 4,365 |
| Total noninterest income | $496,000 | 5,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,910 |
| Total noninterest expense | $1,416,000 | 8,119 |
| Salaries and employee benefits | $655,000 | 8,344 |
| Premises and equipment expense | $156,000 | 8,751 |
| Additional noninterest expense | $605,000 | 7,281 |
| Pre-tax net operating income | $277,000 | 10,418 |
| Securities gains (losses) | $185,000 | 1,780 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $461,000 | 7,872 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $461,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,289 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $276,000 | 9,489 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,084,000 | 10,726 |
| Total interest expense | $902,000 | 10,866 |
| Net interest income | $1,182,000 | 10,388 |
| Provision for loan and lease losses | $275,000 | 4,347 |
| Total noninterest income | $457,000 | 6,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,311 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,738 |
| Total noninterest expense | $1,243,000 | 8,870 |
| Salaries and employee benefits | $501,000 | 9,773 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $556,000 | 7,920 |
| Pre-tax net operating income | $121,000 | 11,796 |
| Securities gains (losses) | $80,000 | 3,372 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $201,000 | 10,590 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $201,000 | 10,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 3,704 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $121,000 | 11,342 |
* 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.