Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,825,000 | 1,330 |
| Total interest expense | $3,677,000 | 922 |
| Net interest income | $3,148,000 | 1,758 |
| Provision for loan and lease losses | $25,000 | 5,698 |
| Total noninterest income | $650,000 | 1,788 |
| Gross Fiduciary activities income | $161,000 | 492 |
| Service charges on deposit accounts | $108,000 | 3,120 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $381,000 | 1,674 |
| Total noninterest expense | $2,414,000 | 2,045 |
| Salaries and employee benefits | $1,002,000 | 2,542 |
| Premises and equipment expense | $203,000 | 3,188 |
| Additional noninterest expense | $1,209,000 | 1,348 |
| Pre-tax net operating income | $1,359,000 | 935 |
| Securities gains (losses) | $-5,665,000 | 8,209 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-4,306,000 | 8,032 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,306,000 | 8,033 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,306,000 | 8,033 |
| Net charge-offs | $335,000 | 1,681 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,359,000 | 707 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $29,667,000 | 1,303 |
| Total interest expense | $16,569,000 | 964 |
| Net interest income | $13,098,000 | 1,696 |
| Provision for loan and lease losses | $5,223,000 | 977 |
| Total noninterest income | $2,169,000 | 2,015 |
| Gross Fiduciary activities income | $616,000 | 521 |
| Service charges on deposit accounts | $503,000 | 3,008 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,050,000 | 2,057 |
| Total noninterest expense | $8,843,000 | 2,167 |
| Salaries and employee benefits | $4,422,000 | 2,294 |
| Premises and equipment expense | $928,000 | 2,803 |
| Additional noninterest expense | $3,493,000 | 1,754 |
| Pre-tax net operating income | $1,201,000 | 3,413 |
| Securities gains (losses) | $-14,964,000 | 8,204 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-13,763,000 | 8,049 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-13,763,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,892,000 | 1,027 |
| Cash dividends | $1,750,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,201,000 | 3,058 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,739,000 | 1,302 |
| Total interest expense | $12,576,000 | 990 |
| Net interest income | $10,163,000 | 1,657 |
| Provision for loan and lease losses | $2,073,000 | 1,159 |
| Total noninterest income | $1,468,000 | 2,239 |
| Gross Fiduciary activities income | $472,000 | 525 |
| Service charges on deposit accounts | $379,000 | 3,019 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $617,000 | 2,490 |
| Total noninterest expense | $6,532,000 | 2,193 |
| Salaries and employee benefits | $3,342,000 | 2,301 |
| Premises and equipment expense | $722,000 | 2,721 |
| Additional noninterest expense | $2,468,000 | 1,802 |
| Pre-tax net operating income | $3,026,000 | 1,612 |
| Securities gains (losses) | $-9,956,000 | 8,285 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-6,930,000 | 8,179 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-6,930,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $798,000 | 1,491 |
| Cash dividends | $1,750,000 | 1,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,026,000 | 1,303 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,346,000 | 1,300 |
| Total interest expense | $8,400,000 | 1,035 |
| Net interest income | $6,946,000 | 1,618 |
| Provision for loan and lease losses | $1,323,000 | 1,026 |
| Total noninterest income | $866,000 | 2,477 |
| Gross Fiduciary activities income | $322,000 | 529 |
| Service charges on deposit accounts | $244,000 | 3,068 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $300,000 | 3,013 |
| Total noninterest expense | $4,178,000 | 2,287 |
| Salaries and employee benefits | $2,238,000 | 2,319 |
| Premises and equipment expense | $436,000 | 2,974 |
| Additional noninterest expense | $1,504,000 | 1,919 |
| Pre-tax net operating income | $2,311,000 | 1,485 |
| Securities gains (losses) | $-121,000 | 8,269 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $2,190,000 | 1,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,190,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,038 |
| Cash dividends | $1,750,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,311,000 | 1,177 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,757,000 | 1,319 |
| Total interest expense | $4,350,000 | 1,080 |
| Net interest income | $3,407,000 | 1,630 |
| Provision for loan and lease losses | $511,000 | 986 |
| Total noninterest income | $313,000 | 3,043 |
| Gross Fiduciary activities income | $177,000 | 510 |
| Service charges on deposit accounts | $120,000 | 3,055 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $16,000 | 6,737 |
| Total noninterest expense | $2,035,000 | 2,328 |
| Salaries and employee benefits | $1,125,000 | 2,330 |
| Premises and equipment expense | $197,000 | 3,281 |
| Additional noninterest expense | $713,000 | 1,976 |
| Pre-tax net operating income | $1,174,000 | 1,550 |
| Securities gains (losses) | $-164,000 | 8,432 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $1,010,000 | 1,483 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,010,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,428 |
| Cash dividends | $750,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,174,000 | 1,243 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,524,000 | 1,963 |
| Total interest expense | $12,759,000 | 1,578 |
| Net interest income | $8,765,000 | 2,518 |
| Provision for loan and lease losses | $478,000 | 2,411 |
| Total noninterest income | $2,553,000 | 1,857 |
| Gross Fiduciary activities income | $570,000 | 562 |
| Service charges on deposit accounts | $500,000 | 3,053 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,483,000 | 1,687 |
| Total noninterest expense | $8,077,000 | 2,272 |
| Salaries and employee benefits | $4,590,000 | 2,190 |
| Premises and equipment expense | $878,000 | 2,860 |
| Additional noninterest expense | $2,609,000 | 2,100 |
| Pre-tax net operating income | $2,763,000 | 2,609 |
| Securities gains (losses) | $-473,000 | 8,363 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,290,000 | 2,545 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,290,000 | 2,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,221 |
| Cash dividends | $2,000,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,763,000 | 2,167 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,929,000 | 2,112 |
| Total interest expense | $8,817,000 | 1,700 |
| Net interest income | $6,112,000 | 2,689 |
| Provision for loan and lease losses | $325,000 | 2,190 |
| Total noninterest income | $1,864,000 | 1,896 |
| Gross Fiduciary activities income | $428,000 | 561 |
| Service charges on deposit accounts | $349,000 | 3,192 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,087,000 | 1,718 |
| Total noninterest expense | $5,899,000 | 2,302 |
| Salaries and employee benefits | $3,407,000 | 2,212 |
| Premises and equipment expense | $633,000 | 2,941 |
| Additional noninterest expense | $1,859,000 | 2,146 |
| Pre-tax net operating income | $1,752,000 | 3,129 |
| Securities gains (losses) | $-445,000 | 8,448 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,307,000 | 3,264 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,307,000 | 3,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,169 |
| Cash dividends | $2,000,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,752,000 | 2,626 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,491,000 | 2,199 |
| Total interest expense | $5,555,000 | 1,794 |
| Net interest income | $3,936,000 | 2,789 |
| Provision for loan and lease losses | $250,000 | 1,793 |
| Total noninterest income | $1,189,000 | 1,978 |
| Gross Fiduciary activities income | $286,000 | 568 |
| Service charges on deposit accounts | $216,000 | 3,355 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $687,000 | 1,801 |
| Total noninterest expense | $3,895,000 | 2,348 |
| Salaries and employee benefits | $2,270,000 | 2,258 |
| Premises and equipment expense | $401,000 | 3,090 |
| Additional noninterest expense | $1,224,000 | 2,174 |
| Pre-tax net operating income | $980,000 | 3,578 |
| Securities gains (losses) | $-90,000 | 8,384 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $890,000 | 3,277 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $890,000 | 3,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,654 |
| Cash dividends | $1,750,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $980,000 | 3,063 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,707,000 | 2,214 |
| Total interest expense | $2,736,000 | 1,808 |
| Net interest income | $1,971,000 | 2,797 |
| Provision for loan and lease losses | $250,000 | 954 |
| Total noninterest income | $595,000 | 1,962 |
| Gross Fiduciary activities income | $132,000 | 601 |
| Service charges on deposit accounts | $101,000 | 3,438 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $362,000 | 1,717 |
| Total noninterest expense | $1,958,000 | 2,331 |
| Salaries and employee benefits | $1,147,000 | 2,243 |
| Premises and equipment expense | $198,000 | 3,140 |
| Additional noninterest expense | $613,000 | 2,148 |
| Pre-tax net operating income | $358,000 | 4,257 |
| Securities gains (losses) | $-40,000 | 8,473 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $318,000 | 4,039 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $318,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 907 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $358,000 | 3,742 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,088,000 | 2,539 |
| Total interest expense | $7,674,000 | 2,115 |
| Net interest income | $7,414,000 | 2,956 |
| Provision for loan and lease losses | $355,000 | 2,498 |
| Total noninterest income | $2,118,000 | 2,137 |
| Gross Fiduciary activities income | $540,000 | 574 |
| Service charges on deposit accounts | $431,000 | 3,380 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,147,000 | 2,032 |
| Total noninterest expense | $6,900,000 | 2,550 |
| Salaries and employee benefits | $4,017,000 | 2,437 |
| Premises and equipment expense | $725,000 | 3,248 |
| Additional noninterest expense | $2,158,000 | 2,395 |
| Pre-tax net operating income | $2,277,000 | 3,357 |
| Securities gains (losses) | $-350,000 | 8,472 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,927,000 | 3,183 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,927,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 1,214 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,277,000 | 2,810 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,760,000 | 2,637 |
| Total interest expense | $5,068,000 | 2,294 |
| Net interest income | $5,692,000 | 2,918 |
| Provision for loan and lease losses | $205,000 | 2,826 |
| Total noninterest income | $1,644,000 | 2,089 |
| Gross Fiduciary activities income | $396,000 | 575 |
| Service charges on deposit accounts | $331,000 | 3,348 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $917,000 | 1,955 |
| Total noninterest expense | $5,420,000 | 2,438 |
| Salaries and employee benefits | $2,960,000 | 2,463 |
| Premises and equipment expense | $520,000 | 3,362 |
| Additional noninterest expense | $1,940,000 | 2,021 |
| Pre-tax net operating income | $1,711,000 | 3,481 |
| Securities gains (losses) | $-235,000 | 8,558 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,476,000 | 3,240 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,476,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $476,000 | 839 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,711,000 | 2,901 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,283,000 | 2,910 |
| Total interest expense | $2,757,000 | 2,616 |
| Net interest income | $3,526,000 | 3,110 |
| Provision for loan and lease losses | $110,000 | 3,192 |
| Total noninterest income | $1,080,000 | 2,102 |
| Gross Fiduciary activities income | $278,000 | 564 |
| Service charges on deposit accounts | $189,000 | 3,674 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $613,000 | 1,927 |
| Total noninterest expense | $3,271,000 | 2,689 |
| Salaries and employee benefits | $1,848,000 | 2,623 |
| Premises and equipment expense | $325,000 | 3,539 |
| Additional noninterest expense | $1,098,000 | 2,352 |
| Pre-tax net operating income | $1,225,000 | 3,311 |
| Securities gains (losses) | $-232,000 | 8,642 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $993,000 | 3,231 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $993,000 | 3,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,098 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,225,000 | 2,741 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 3,344 |
| Total interest expense | $1,126,000 | 2,960 |
| Net interest income | $1,469,000 | 3,602 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $501,000 | 2,188 |
| Gross Fiduciary activities income | $146,000 | 564 |
| Service charges on deposit accounts | $72,000 | 4,162 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $283,000 | 2,027 |
| Total noninterest expense | $1,311,000 | 3,236 |
| Salaries and employee benefits | $765,000 | 3,086 |
| Premises and equipment expense | $129,000 | 4,210 |
| Additional noninterest expense | $417,000 | 3,000 |
| Pre-tax net operating income | $609,000 | 3,272 |
| Securities gains (losses) | $-31,000 | 8,470 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $578,000 | 2,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $578,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $1,000,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $609,000 | 2,694 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,390,000 | 2,824 |
| Total interest expense | $4,192,000 | 2,550 |
| Net interest income | $7,198,000 | 2,977 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $2,368,000 | 1,958 |
| Gross Fiduciary activities income | $501,000 | 583 |
| Service charges on deposit accounts | $504,000 | 3,041 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,363,000 | 1,787 |
| Total noninterest expense | $7,298,000 | 2,291 |
| Salaries and employee benefits | $4,263,000 | 2,157 |
| Premises and equipment expense | $925,000 | 2,532 |
| Additional noninterest expense | $2,110,000 | 2,366 |
| Pre-tax net operating income | $2,168,000 | 3,500 |
| Securities gains (losses) | $-102,000 | 8,436 |
| Applicable income taxes | $378,000 | 3,790 |
| Income before extraordinary items | $1,688,000 | 3,509 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,688,000 | 3,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,338 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,771,640 | 3,367 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,303,000 | 2,844 |
| Total interest expense | $2,816,000 | 2,671 |
| Net interest income | $5,487,000 | 2,917 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $1,793,000 | 1,938 |
| Gross Fiduciary activities income | $374,000 | 576 |
| Service charges on deposit accounts | $369,000 | 3,080 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,050,000 | 1,760 |
| Total noninterest expense | $5,520,000 | 2,254 |
| Salaries and employee benefits | $3,151,000 | 2,163 |
| Premises and equipment expense | $697,000 | 2,518 |
| Additional noninterest expense | $1,672,000 | 2,210 |
| Pre-tax net operating income | $1,660,000 | 3,496 |
| Securities gains (losses) | $-80,000 | 8,592 |
| Applicable income taxes | $378,000 | 3,415 |
| Income before extraordinary items | $1,202,000 | 3,659 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,202,000 | 3,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,917 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,262,800 | 3,509 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,382,000 | 2,846 |
| Total interest expense | $1,711,000 | 2,732 |
| Net interest income | $3,671,000 | 2,875 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $1,214,000 | 1,913 |
| Gross Fiduciary activities income | $250,000 | 585 |
| Service charges on deposit accounts | $242,000 | 3,078 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $722,000 | 1,705 |
| Total noninterest expense | $3,672,000 | 2,237 |
| Salaries and employee benefits | $2,105,000 | 2,144 |
| Premises and equipment expense | $452,000 | 2,568 |
| Additional noninterest expense | $1,115,000 | 2,198 |
| Pre-tax net operating income | $1,113,000 | 3,431 |
| Securities gains (losses) | $-53,000 | 8,605 |
| Applicable income taxes | $288,000 | 3,179 |
| Income before extraordinary items | $772,000 | 3,709 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $772,000 | 3,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,311 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $810,690 | 3,566 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 2,899 |
| Total interest expense | $813,000 | 2,745 |
| Net interest income | $1,780,000 | 2,941 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $567,000 | 1,952 |
| Gross Fiduciary activities income | $119,000 | 607 |
| Service charges on deposit accounts | $115,000 | 3,135 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $333,000 | 1,763 |
| Total noninterest expense | $1,781,000 | 2,319 |
| Salaries and employee benefits | $1,050,000 | 2,166 |
| Premises and equipment expense | $227,000 | 2,562 |
| Additional noninterest expense | $504,000 | 2,424 |
| Pre-tax net operating income | $566,000 | 3,367 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $170,000 | 2,867 |
| Income before extraordinary items | $396,000 | 3,649 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $396,000 | 3,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $396,000 | 3,612 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,456,000 | 2,709 |
| Total interest expense | $3,469,000 | 2,319 |
| Net interest income | $6,987,000 | 2,887 |
| Provision for loan and lease losses | $-75,000 | 8,767 |
| Total noninterest income | $2,435,000 | 1,909 |
| Gross Fiduciary activities income | $549,000 | 543 |
| Service charges on deposit accounts | $622,000 | 2,624 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,264,000 | 1,844 |
| Total noninterest expense | $7,050,000 | 2,270 |
| Salaries and employee benefits | $4,153,000 | 2,099 |
| Premises and equipment expense | $840,000 | 2,671 |
| Additional noninterest expense | $2,057,000 | 2,357 |
| Pre-tax net operating income | $2,447,000 | 3,063 |
| Securities gains (losses) | $132,000 | 1,064 |
| Applicable income taxes | $749,000 | 2,633 |
| Income before extraordinary items | $1,830,000 | 3,148 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,830,000 | 3,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,914 |
| Cash dividends | $1,200,000 | 2,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,736,280 | 3,199 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,832,000 | 2,689 |
| Total interest expense | $2,636,000 | 2,243 |
| Net interest income | $5,196,000 | 2,894 |
| Provision for loan and lease losses | $-75,000 | 8,860 |
| Total noninterest income | $1,771,000 | 1,957 |
| Gross Fiduciary activities income | $417,000 | 535 |
| Service charges on deposit accounts | $478,000 | 2,599 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $876,000 | 1,953 |
| Total noninterest expense | $5,296,000 | 2,236 |
| Salaries and employee benefits | $3,095,000 | 2,108 |
| Premises and equipment expense | $625,000 | 2,678 |
| Additional noninterest expense | $1,576,000 | 2,286 |
| Pre-tax net operating income | $1,746,000 | 3,217 |
| Securities gains (losses) | $85,000 | 1,292 |
| Applicable income taxes | $537,000 | 2,784 |
| Income before extraordinary items | $1,294,000 | 3,363 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,294,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,426 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,233,650 | 3,387 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,248,000 | 2,663 |
| Total interest expense | $1,791,000 | 2,196 |
| Net interest income | $3,457,000 | 2,884 |
| Provision for loan and lease losses | $23,000 | 5,766 |
| Total noninterest income | $1,119,000 | 2,031 |
| Gross Fiduciary activities income | $287,000 | 527 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $514,000 | 2,152 |
| Total noninterest expense | $3,490,000 | 2,270 |
| Salaries and employee benefits | $2,062,000 | 2,117 |
| Premises and equipment expense | $427,000 | 2,629 |
| Additional noninterest expense | $1,001,000 | 2,382 |
| Pre-tax net operating income | $1,063,000 | 3,392 |
| Securities gains (losses) | $42,000 | 1,561 |
| Applicable income taxes | $320,000 | 2,966 |
| Income before extraordinary items | $785,000 | 3,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $785,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $755,180 | 3,588 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,650,000 | 2,629 |
| Total interest expense | $924,000 | 2,158 |
| Net interest income | $1,726,000 | 2,882 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $540,000 | 2,039 |
| Gross Fiduciary activities income | $144,000 | 532 |
| Service charges on deposit accounts | $154,000 | 2,620 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $242,000 | 2,174 |
| Total noninterest expense | $1,748,000 | 2,275 |
| Salaries and employee benefits | $1,035,000 | 2,129 |
| Premises and equipment expense | $223,000 | 2,537 |
| Additional noninterest expense | $490,000 | 2,413 |
| Pre-tax net operating income | $495,000 | 3,548 |
| Securities gains (losses) | $42,000 | 1,294 |
| Applicable income taxes | $155,000 | 3,023 |
| Income before extraordinary items | $382,000 | 3,629 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $382,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,199 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $352,180 | 3,723 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,258,000 | 2,529 |
| Total interest expense | $4,000,000 | 2,215 |
| Net interest income | $7,258,000 | 2,663 |
| Provision for loan and lease losses | $175,000 | 4,313 |
| Total noninterest income | $2,250,000 | 2,128 |
| Gross Fiduciary activities income | $487,000 | 570 |
| Service charges on deposit accounts | $630,000 | 2,605 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,133,000 | 2,204 |
| Total noninterest expense | $6,922,000 | 2,275 |
| Salaries and employee benefits | $3,890,000 | 2,185 |
| Premises and equipment expense | $895,000 | 2,495 |
| Additional noninterest expense | $2,137,000 | 2,263 |
| Pre-tax net operating income | $2,411,000 | 2,972 |
| Securities gains (losses) | $483,000 | 764 |
| Applicable income taxes | $858,000 | 2,409 |
| Income before extraordinary items | $2,036,000 | 2,825 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,036,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,307 |
| Cash dividends | $1,050,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,697,900 | 3,104 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,512,000 | 2,552 |
| Total interest expense | $3,040,000 | 2,265 |
| Net interest income | $5,472,000 | 2,664 |
| Provision for loan and lease losses | $110,000 | 4,499 |
| Total noninterest income | $1,643,000 | 2,206 |
| Gross Fiduciary activities income | $334,000 | 604 |
| Service charges on deposit accounts | $482,000 | 2,561 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $827,000 | 2,325 |
| Total noninterest expense | $5,216,000 | 2,272 |
| Salaries and employee benefits | $2,958,000 | 2,163 |
| Premises and equipment expense | $659,000 | 2,551 |
| Additional noninterest expense | $1,599,000 | 2,246 |
| Pre-tax net operating income | $1,789,000 | 3,087 |
| Securities gains (losses) | $483,000 | 701 |
| Applicable income taxes | $685,000 | 2,424 |
| Income before extraordinary items | $1,587,000 | 2,838 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,587,000 | 2,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,803 |
| Cash dividends | $600,000 | 2,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,248,900 | 3,224 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,695,000 | 2,557 |
| Total interest expense | $2,034,000 | 2,337 |
| Net interest income | $3,661,000 | 2,662 |
| Provision for loan and lease losses | $95,000 | 3,952 |
| Total noninterest income | $1,098,000 | 2,204 |
| Gross Fiduciary activities income | $222,000 | 610 |
| Service charges on deposit accounts | $327,000 | 2,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $549,000 | 2,310 |
| Total noninterest expense | $3,494,000 | 2,249 |
| Salaries and employee benefits | $1,993,000 | 2,132 |
| Premises and equipment expense | $438,000 | 2,541 |
| Additional noninterest expense | $1,063,000 | 2,241 |
| Pre-tax net operating income | $1,170,000 | 3,143 |
| Securities gains (losses) | $483,000 | 585 |
| Applicable income taxes | $502,000 | 2,305 |
| Income before extraordinary items | $1,151,000 | 2,676 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,151,000 | 2,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,250 |
| Cash dividends | $600,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $812,900 | 3,285 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 2,563 |
| Total interest expense | $1,014,000 | 2,409 |
| Net interest income | $1,842,000 | 2,631 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $492,000 | 2,310 |
| Gross Fiduciary activities income | $108,000 | 621 |
| Service charges on deposit accounts | $156,000 | 2,505 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $228,000 | 2,493 |
| Total noninterest expense | $1,707,000 | 2,279 |
| Salaries and employee benefits | $990,000 | 2,127 |
| Premises and equipment expense | $230,000 | 2,414 |
| Additional noninterest expense | $487,000 | 2,387 |
| Pre-tax net operating income | $612,000 | 3,031 |
| Securities gains (losses) | $59,000 | 1,296 |
| Applicable income taxes | $226,000 | 2,491 |
| Income before extraordinary items | $445,000 | 3,202 |
| Extraordinary gains, net | $86,000 | 4 |
| Net income | $531,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $406,060 | 3,252 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,857,000 | 2,588 |
| Total interest expense | $4,733,000 | 2,358 |
| Net interest income | $7,124,000 | 2,683 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $2,141,000 | 2,019 |
| Gross Fiduciary activities income | $444,000 | 616 |
| Service charges on deposit accounts | $620,000 | 2,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,077,000 | 2,072 |
| Total noninterest expense | $6,753,000 | 2,216 |
| Salaries and employee benefits | $3,813,000 | 2,091 |
| Premises and equipment expense | $858,000 | 2,519 |
| Additional noninterest expense | $2,082,000 | 2,219 |
| Pre-tax net operating income | $2,402,000 | 2,972 |
| Securities gains (losses) | $509,000 | 650 |
| Applicable income taxes | $864,000 | 2,462 |
| Income before extraordinary items | $2,047,000 | 2,747 |
| Extraordinary gains, net | $61,000 | 45 |
| Net income | $2,108,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,090 |
| Cash dividends | $700,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,690,700 | 3,099 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,213,000 | 2,586 |
| Total interest expense | $7,192,000 | 2,228 |
| Net interest income | $6,021,000 | 2,941 |
| Provision for loan and lease losses | $105,000 | 5,502 |
| Total noninterest income | $2,202,000 | 1,868 |
| Gross Fiduciary activities income | $512,000 | 588 |
| Service charges on deposit accounts | $602,000 | 2,426 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,088,000 | 1,923 |
| Total noninterest expense | $6,576,000 | 2,188 |
| Salaries and employee benefits | $3,588,000 | 2,106 |
| Premises and equipment expense | $859,000 | 2,462 |
| Additional noninterest expense | $2,129,000 | 2,108 |
| Pre-tax net operating income | $1,542,000 | 3,783 |
| Securities gains (losses) | $330,000 | 842 |
| Applicable income taxes | $508,000 | 3,306 |
| Income before extraordinary items | $1,364,000 | 3,469 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,364,000 | 3,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,877 |
| Cash dividends | $450,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,123,100 | 3,856 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,027,000 | 2,661 |
| Total interest expense | $7,411,000 | 2,289 |
| Net interest income | $5,616,000 | 3,143 |
| Provision for loan and lease losses | $124,000 | 4,781 |
| Total noninterest income | $2,097,000 | 1,806 |
| Gross Fiduciary activities income | $456,000 | 626 |
| Service charges on deposit accounts | $553,000 | 2,456 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,088,000 | 1,762 |
| Total noninterest expense | $6,415,000 | 2,147 |
| Salaries and employee benefits | $3,386,000 | 2,113 |
| Premises and equipment expense | $785,000 | 2,623 |
| Additional noninterest expense | $2,244,000 | 1,939 |
| Pre-tax net operating income | $1,174,000 | 4,783 |
| Securities gains (losses) | $56,000 | 691 |
| Applicable income taxes | $275,000 | 4,767 |
| Income before extraordinary items | $955,000 | 4,514 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $955,000 | 4,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,115 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $911,320 | 4,646 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,874,000 | 2,971 |
| Total interest expense | $5,747,000 | 2,560 |
| Net interest income | $5,127,000 | 3,381 |
| Provision for loan and lease losses | $99,000 | 5,293 |
| Total noninterest income | $1,775,000 | 2,020 |
| Gross Fiduciary activities income | $444,000 | 670 |
| Service charges on deposit accounts | $496,000 | 2,653 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $835,000 | 2,100 |
| Total noninterest expense | $5,958,000 | 2,296 |
| Salaries and employee benefits | $3,013,000 | 2,335 |
| Premises and equipment expense | $684,000 | 2,924 |
| Additional noninterest expense | $2,261,000 | 1,925 |
| Pre-tax net operating income | $845,000 | 5,772 |
| Securities gains (losses) | $38,000 | 1,095 |
| Applicable income taxes | $125,000 | 6,576 |
| Income before extraordinary items | $758,000 | 5,242 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $758,000 | 5,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $725,320 | 5,335 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,177,000 | 3,476 |
| Total interest expense | $4,291,000 | 3,459 |
| Net interest income | $4,886,000 | 3,483 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $1,647,000 | 2,115 |
| Gross Fiduciary activities income | $491,000 | 641 |
| Service charges on deposit accounts | $378,000 | 3,286 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $778,000 | 2,216 |
| Total noninterest expense | $4,832,000 | 2,711 |
| Salaries and employee benefits | $2,554,000 | 2,653 |
| Premises and equipment expense | $840,000 | 2,321 |
| Additional noninterest expense | $1,438,000 | 2,881 |
| Pre-tax net operating income | $1,691,000 | 3,819 |
| Securities gains (losses) | $139,000 | 1,091 |
| Applicable income taxes | $434,000 | 4,215 |
| Income before extraordinary items | $1,396,000 | 3,450 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,396,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,290,360 | 3,622 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,137,000 | 3,534 |
| Total interest expense | $4,360,000 | 3,382 |
| Net interest income | $4,777,000 | 3,637 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,492,000 | 2,202 |
| Gross Fiduciary activities income | $463,000 | 677 |
| Service charges on deposit accounts | $370,000 | 3,446 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $659,000 | 2,314 |
| Total noninterest expense | $4,398,000 | 2,883 |
| Salaries and employee benefits | $2,378,000 | 2,782 |
| Premises and equipment expense | $729,000 | 2,637 |
| Additional noninterest expense | $1,291,000 | 3,130 |
| Pre-tax net operating income | $1,871,000 | 3,742 |
| Securities gains (losses) | $74,000 | 1,122 |
| Applicable income taxes | $493,000 | 4,256 |
| Income before extraordinary items | $1,452,000 | 3,456 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,452,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,396,500 | 3,501 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,733,000 | 3,706 |
| Total interest expense | $4,105,000 | 3,619 |
| Net interest income | $4,628,000 | 3,801 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,259,000 | 2,593 |
| Gross Fiduciary activities income | $395,000 | 774 |
| Service charges on deposit accounts | $364,000 | 3,632 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $500,000 | 2,918 |
| Total noninterest expense | $4,147,000 | 3,246 |
| Salaries and employee benefits | $2,284,000 | 2,928 |
| Premises and equipment expense | $692,000 | 2,839 |
| Additional noninterest expense | $1,171,000 | 3,856 |
| Pre-tax net operating income | $1,740,000 | 3,829 |
| Securities gains (losses) | $110,000 | 915 |
| Applicable income taxes | $484,000 | 4,251 |
| Income before extraordinary items | $1,366,000 | 3,481 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,366,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,284,600 | 3,606 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,501,000 | 3,798 |
| Total interest expense | $3,932,000 | 3,739 |
| Net interest income | $4,569,000 | 3,851 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $1,249,000 | 2,624 |
| Gross Fiduciary activities income | $358,000 | 833 |
| Service charges on deposit accounts | $378,000 | 3,537 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $513,000 | 2,825 |
| Total noninterest expense | $4,063,000 | 3,281 |
| Salaries and employee benefits | $2,205,000 | 3,016 |
| Premises and equipment expense | $679,000 | 2,891 |
| Additional noninterest expense | $1,179,000 | 3,793 |
| Pre-tax net operating income | $1,754,000 | 3,925 |
| Securities gains (losses) | $-163,000 | 11,636 |
| Applicable income taxes | $404,000 | 4,918 |
| Income before extraordinary items | $1,187,000 | 4,000 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,187,000 | 3,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $450,000 | 3,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,309,250 | 3,636 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,798,000 | 4,334 |
| Total interest expense | $2,973,000 | 3,994 |
| Net interest income | $3,825,000 | 4,555 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,250,000 | 2,654 |
| Gross Fiduciary activities income | $325,000 | 876 |
| Service charges on deposit accounts | $393,000 | 3,430 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $532,000 | 2,842 |
| Total noninterest expense | $3,658,000 | 3,698 |
| Salaries and employee benefits | $1,984,000 | 3,308 |
| Premises and equipment expense | $598,000 | 3,280 |
| Additional noninterest expense | $1,076,000 | 4,427 |
| Pre-tax net operating income | $1,417,000 | 4,628 |
| Securities gains (losses) | $-111,000 | 11,601 |
| Applicable income taxes | $251,000 | 6,521 |
| Income before extraordinary items | $1,055,000 | 4,324 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,055,000 | 4,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $2,250,000 | 1,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,144,910 | 4,070 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,954,000 | 4,332 |
| Total interest expense | $3,132,000 | 3,974 |
| Net interest income | $3,822,000 | 4,588 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,381,000 | 2,608 |
| Gross Fiduciary activities income | $302,000 | 936 |
| Service charges on deposit accounts | $455,000 | 3,052 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $624,000 | 2,805 |
| Total noninterest expense | $3,679,000 | 3,752 |
| Salaries and employee benefits | $1,984,000 | 3,310 |
| Premises and equipment expense | $524,000 | 3,708 |
| Additional noninterest expense | $1,171,000 | 4,282 |
| Pre-tax net operating income | $1,524,000 | 4,253 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $315,000 | 5,902 |
| Income before extraordinary items | $1,209,000 | 3,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,209,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 12,247 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,209,000 | 3,787 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,777,000 | 4,389 |
| Total interest expense | $3,830,000 | 4,225 |
| Net interest income | $3,947,000 | 4,503 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,100,000 | 3,062 |
| Gross Fiduciary activities income | $305,000 | 941 |
| Service charges on deposit accounts | $442,000 | 3,171 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $353,000 | 4,015 |
| Total noninterest expense | $3,390,000 | 4,050 |
| Salaries and employee benefits | $1,846,000 | 3,460 |
| Premises and equipment expense | $454,000 | 4,312 |
| Additional noninterest expense | $1,090,000 | 4,724 |
| Pre-tax net operating income | $1,657,000 | 3,703 |
| Securities gains (losses) | $142,000 | 2,487 |
| Applicable income taxes | $442,000 | 4,429 |
| Income before extraordinary items | $1,357,000 | 3,380 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,357,000 | 3,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 12,482 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,250,500 | 3,396 |
* 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.