Home > Citizens Savings Bank > Income and Expense
Citizens Savings Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,305,000 | 2,842 |
| Total interest expense | $3,061,000 | 2,498 |
| Net interest income | $5,244,000 | 3,029 |
| Provision for loan and lease losses | $200,000 | 2,952 |
| Total noninterest income | $787,000 | 3,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $383,000 | 3,009 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $404,000 | 3,265 |
| Total noninterest expense | $3,707,000 | 3,239 |
| Salaries and employee benefits | $2,166,000 | 3,034 |
| Premises and equipment expense | $377,000 | 4,149 |
| Additional noninterest expense | $1,164,000 | 3,115 |
| Pre-tax net operating income | $2,124,000 | 2,927 |
| Securities gains (losses) | $20,000 | 1,227 |
| Applicable income taxes | $826,000 | 2,154 |
| Income before extraordinary items | $1,318,000 | 3,455 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,318,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $1,000,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,305,200 | 3,428 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 3,517 |
| Total interest expense | $1,489,000 | 3,057 |
| Net interest income | $2,661,000 | 3,734 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $405,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $188,000 | 3,641 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $217,000 | 3,630 |
| Total noninterest expense | $1,858,000 | 4,040 |
| Salaries and employee benefits | $1,089,000 | 3,840 |
| Premises and equipment expense | $169,000 | 5,376 |
| Additional noninterest expense | $600,000 | 3,801 |
| Pre-tax net operating income | $1,128,000 | 3,404 |
| Securities gains (losses) | $19,000 | 1,124 |
| Applicable income taxes | $443,000 | 2,445 |
| Income before extraordinary items | $704,000 | 3,970 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $704,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,851 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $691,840 | 3,965 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,002,000 | 1,942 |
| Total interest expense | $1,467,000 | 1,629 |
| Net interest income | $2,535,000 | 2,134 |
| Provision for loan and lease losses | $1,043,000 | 250 |
| Total noninterest income | $359,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $167,000 | 2,345 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $192,000 | 2,543 |
| Total noninterest expense | $1,691,000 | 2,427 |
| Salaries and employee benefits | $1,076,000 | 2,120 |
| Premises and equipment expense | $208,000 | 2,776 |
| Additional noninterest expense | $407,000 | 2,970 |
| Pre-tax net operating income | $160,000 | 6,433 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $112,000 | 6,693 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $112,000 | 6,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 467 |
| Cash dividends | $1,300,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $112,000 | 6,661 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,344,000 | 1,660 |
| Total interest expense | $6,612,000 | 1,241 |
| Net interest income | $10,732,000 | 1,889 |
| Provision for loan and lease losses | $-473,000 | 8,901 |
| Total noninterest income | $1,958,000 | 2,232 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $818,000 | 2,101 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,140,000 | 1,972 |
| Total noninterest expense | $7,964,000 | 2,013 |
| Salaries and employee benefits | $4,462,000 | 1,953 |
| Premises and equipment expense | $1,051,000 | 2,178 |
| Additional noninterest expense | $2,451,000 | 1,993 |
| Pre-tax net operating income | $5,199,000 | 1,640 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,822,000 | 1,389 |
| Income before extraordinary items | $3,377,000 | 1,866 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,377,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-137,000 | 8,837 |
| Cash dividends | $1,725,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,377,000 | 1,826 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,170,000 | 1,630 |
| Total interest expense | $5,069,000 | 1,179 |
| Net interest income | $8,101,000 | 1,860 |
| Provision for loan and lease losses | $-109,000 | 8,881 |
| Total noninterest income | $1,473,000 | 2,236 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $618,000 | 2,105 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $855,000 | 1,985 |
| Total noninterest expense | $6,386,000 | 1,875 |
| Salaries and employee benefits | $3,269,000 | 1,991 |
| Premises and equipment expense | $858,000 | 2,012 |
| Additional noninterest expense | $2,259,000 | 1,598 |
| Pre-tax net operating income | $3,297,000 | 1,900 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,227,000 | 1,515 |
| Income before extraordinary items | $2,070,000 | 2,256 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,070,000 | 2,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-201,000 | 8,916 |
| Cash dividends | $1,125,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,070,000 | 2,197 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,025,000 | 1,561 |
| Total interest expense | $3,510,000 | 1,123 |
| Net interest income | $5,515,000 | 1,808 |
| Provision for loan and lease losses | $-250,000 | 9,006 |
| Total noninterest income | $998,000 | 2,200 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $414,000 | 2,090 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $584,000 | 1,964 |
| Total noninterest expense | $4,480,000 | 1,785 |
| Salaries and employee benefits | $2,128,000 | 2,049 |
| Premises and equipment expense | $644,000 | 1,788 |
| Additional noninterest expense | $1,708,000 | 1,419 |
| Pre-tax net operating income | $2,283,000 | 1,837 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $849,000 | 1,460 |
| Income before extraordinary items | $1,434,000 | 2,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,434,000 | 2,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-315,000 | 9,022 |
| Cash dividends | $400,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,434,000 | 2,095 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,660,000 | 1,520 |
| Total interest expense | $1,899,000 | 1,045 |
| Net interest income | $2,761,000 | 1,800 |
| Provision for loan and lease losses | $-174,000 | 9,054 |
| Total noninterest income | $554,000 | 2,010 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $207,000 | 2,008 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $347,000 | 1,697 |
| Total noninterest expense | $2,399,000 | 1,691 |
| Salaries and employee benefits | $1,065,000 | 2,072 |
| Premises and equipment expense | $330,000 | 1,776 |
| Additional noninterest expense | $1,004,000 | 1,204 |
| Pre-tax net operating income | $1,090,000 | 1,864 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $404,000 | 1,533 |
| Income before extraordinary items | $686,000 | 2,216 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $686,000 | 2,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-320,000 | 9,080 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $686,000 | 2,140 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,956,000 | 1,439 |
| Total interest expense | $8,697,000 | 1,026 |
| Net interest income | $11,259,000 | 1,720 |
| Provision for loan and lease losses | $2,437,000 | 566 |
| Total noninterest income | $3,084,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $753,000 | 2,226 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,331,000 | 1,302 |
| Total noninterest expense | $9,187,000 | 1,734 |
| Salaries and employee benefits | $4,311,000 | 1,989 |
| Premises and equipment expense | $1,115,000 | 2,044 |
| Additional noninterest expense | $3,761,000 | 1,317 |
| Pre-tax net operating income | $2,719,000 | 2,707 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,000,000 | 2,173 |
| Income before extraordinary items | $1,719,000 | 3,216 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,719,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,144,000 | 393 |
| Cash dividends | $2,235,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,719,000 | 3,073 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,125,000 | 1,444 |
| Total interest expense | $6,602,000 | 1,057 |
| Net interest income | $8,523,000 | 1,727 |
| Provision for loan and lease losses | $892,000 | 1,002 |
| Total noninterest income | $1,608,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $523,000 | 2,375 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,085,000 | 1,929 |
| Total noninterest expense | $6,011,000 | 1,982 |
| Salaries and employee benefits | $3,360,000 | 1,920 |
| Premises and equipment expense | $871,000 | 1,960 |
| Additional noninterest expense | $1,780,000 | 2,009 |
| Pre-tax net operating income | $3,228,000 | 1,926 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,227,000 | 1,584 |
| Income before extraordinary items | $2,001,000 | 2,333 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,001,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,833,000 | 340 |
| Cash dividends | $1,735,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,001,000 | 2,222 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,062,000 | 1,460 |
| Total interest expense | $4,506,000 | 1,066 |
| Net interest income | $5,556,000 | 1,751 |
| Provision for loan and lease losses | $416,000 | 1,347 |
| Total noninterest income | $1,528,000 | 1,693 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $308,000 | 2,592 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,220,000 | 1,316 |
| Total noninterest expense | $4,268,000 | 1,853 |
| Salaries and employee benefits | $2,384,000 | 1,802 |
| Premises and equipment expense | $585,000 | 1,949 |
| Additional noninterest expense | $1,299,000 | 1,854 |
| Pre-tax net operating income | $2,400,000 | 1,745 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $926,000 | 1,455 |
| Income before extraordinary items | $1,474,000 | 2,143 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,474,000 | 2,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,521,000 | 283 |
| Cash dividends | $935,000 | 1,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,474,000 | 2,022 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,086,000 | 1,453 |
| Total interest expense | $2,355,000 | 1,041 |
| Net interest income | $2,731,000 | 1,780 |
| Provision for loan and lease losses | $85,000 | 2,667 |
| Total noninterest income | $757,000 | 1,661 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $146,000 | 2,632 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $611,000 | 1,286 |
| Total noninterest expense | $2,218,000 | 1,777 |
| Salaries and employee benefits | $1,223,000 | 1,741 |
| Premises and equipment expense | $300,000 | 1,912 |
| Additional noninterest expense | $695,000 | 1,695 |
| Pre-tax net operating income | $1,185,000 | 1,767 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $460,000 | 1,470 |
| Income before extraordinary items | $725,000 | 2,141 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $725,000 | 2,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,398,000 | 264 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $725,000 | 2,028 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,644,000 | 1,349 |
| Total interest expense | $11,127,000 | 1,006 |
| Net interest income | $11,517,000 | 1,688 |
| Provision for loan and lease losses | $1,804,000 | 807 |
| Total noninterest income | $1,922,000 | 2,199 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $673,000 | 2,324 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,249,000 | 1,888 |
| Total noninterest expense | $8,050,000 | 1,878 |
| Salaries and employee benefits | $4,681,000 | 1,712 |
| Premises and equipment expense | $1,152,000 | 1,915 |
| Additional noninterest expense | $2,217,000 | 2,088 |
| Pre-tax net operating income | $3,585,000 | 2,170 |
| Securities gains (losses) | $-71,000 | 9,106 |
| Applicable income taxes | $1,364,000 | 1,783 |
| Income before extraordinary items | $2,150,000 | 2,653 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,150,000 | 2,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,731 |
| Cash dividends | $1,550,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $626,000 | 442 |
| Net operating income | $2,195,440 | 2,518 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,031,000 | 1,357 |
| Total interest expense | $14,456,000 | 1,110 |
| Net interest income | $10,575,000 | 1,689 |
| Provision for loan and lease losses | $946,000 | 1,306 |
| Total noninterest income | $1,987,000 | 2,026 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $894,000 | 1,696 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,093,000 | 1,916 |
| Total noninterest expense | $7,789,000 | 1,859 |
| Salaries and employee benefits | $4,604,000 | 1,628 |
| Premises and equipment expense | $1,172,000 | 1,837 |
| Additional noninterest expense | $2,013,000 | 2,227 |
| Pre-tax net operating income | $3,827,000 | 1,842 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,488,000 | 1,506 |
| Income before extraordinary items | $2,339,000 | 2,215 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,339,000 | 2,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 2,005 |
| Cash dividends | $1,700,000 | 1,503 |
| Sale, conversion, retirement of capital stock, net | $556,000 | 487 |
| Net operating income | $2,339,000 | 2,144 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $25,292,000 | 1,382 |
| Total interest expense | $14,434,000 | 1,201 |
| Net interest income | $10,858,000 | 1,613 |
| Provision for loan and lease losses | $3,280,000 | 431 |
| Total noninterest income | $3,847,000 | 1,099 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $866,000 | 1,585 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,981,000 | 862 |
| Total noninterest expense | $7,837,000 | 1,778 |
| Salaries and employee benefits | $4,507,000 | 1,578 |
| Premises and equipment expense | $1,184,000 | 1,763 |
| Additional noninterest expense | $2,146,000 | 2,022 |
| Pre-tax net operating income | $3,588,000 | 2,031 |
| Securities gains (losses) | $-378,000 | 9,675 |
| Applicable income taxes | $1,327,000 | 1,674 |
| Income before extraordinary items | $1,883,000 | 2,705 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,883,000 | 2,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,863,000 | 387 |
| Cash dividends | $2,185,000 | 1,262 |
| Sale, conversion, retirement of capital stock, net | $462,000 | 552 |
| Net operating income | $2,124,920 | 2,418 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,824,000 | 1,500 |
| Total interest expense | $11,909,000 | 1,268 |
| Net interest income | $9,915,000 | 1,755 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,188,000 | 2,711 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $783,000 | 1,688 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $405,000 | 3,389 |
| Total noninterest expense | $8,345,000 | 1,649 |
| Salaries and employee benefits | $4,639,000 | 1,493 |
| Premises and equipment expense | $1,419,000 | 1,443 |
| Additional noninterest expense | $2,287,000 | 1,906 |
| Pre-tax net operating income | $2,458,000 | 2,828 |
| Securities gains (losses) | $14,000 | 1,577 |
| Applicable income taxes | $1,221,000 | 1,893 |
| Income before extraordinary items | $1,250,000 | 3,741 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,250,000 | 3,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,853 |
| Cash dividends | $1,415,000 | 1,763 |
| Sale, conversion, retirement of capital stock, net | $463,000 | 617 |
| Net operating income | $1,241,040 | 3,738 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,613,000 | 1,574 |
| Total interest expense | $11,863,000 | 1,313 |
| Net interest income | $8,750,000 | 1,952 |
| Provision for loan and lease losses | $385,000 | 2,131 |
| Total noninterest income | $1,400,000 | 2,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,400,000 | 1,467 |
| Total noninterest expense | $7,386,000 | 1,767 |
| Salaries and employee benefits | $4,471,000 | 1,462 |
| Premises and equipment expense | $1,471,000 | 1,320 |
| Additional noninterest expense | $1,444,000 | 2,872 |
| Pre-tax net operating income | $2,379,000 | 2,909 |
| Securities gains (losses) | $905,000 | 408 |
| Applicable income taxes | $1,258,000 | 1,905 |
| Income before extraordinary items | $2,026,000 | 2,515 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,026,000 | 2,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,689 |
| Cash dividends | $4,500,000 | 696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,446,800 | 3,258 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,128,000 | 1,634 |
| Total interest expense | $12,324,000 | 1,288 |
| Net interest income | $7,804,000 | 2,258 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $1,982,000 | 1,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,982,000 | 1,113 |
| Total noninterest expense | $6,635,000 | 1,945 |
| Salaries and employee benefits | $4,067,000 | 1,614 |
| Premises and equipment expense | $1,366,000 | 1,428 |
| Additional noninterest expense | $1,202,000 | 3,357 |
| Pre-tax net operating income | $2,651,000 | 2,772 |
| Securities gains (losses) | $361,000 | 511 |
| Applicable income taxes | $1,163,000 | 2,145 |
| Income before extraordinary items | $1,849,000 | 2,768 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,849,000 | 2,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,617,960 | 3,071 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,031,000 | 1,881 |
| Total interest expense | $10,826,000 | 1,491 |
| Net interest income | $7,205,000 | 2,481 |
| Provision for loan and lease losses | $164,000 | 3,884 |
| Total noninterest income | $1,404,000 | 2,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,404,000 | 1,435 |
| Total noninterest expense | $8,047,000 | 1,761 |
| Salaries and employee benefits | $3,421,000 | 1,925 |
| Premises and equipment expense | $1,152,000 | 1,751 |
| Additional noninterest expense | $3,474,000 | 1,525 |
| Pre-tax net operating income | $398,000 | 8,516 |
| Securities gains (losses) | $224,000 | 654 |
| Applicable income taxes | $242,000 | 6,559 |
| Income before extraordinary items | $380,000 | 7,792 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $380,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $13,506,000 | 49 |
| Net operating income | $236,640 | 8,888 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,592,000 | 2,028 |
| Total interest expense | $10,077,000 | 1,586 |
| Net interest income | $6,515,000 | 2,735 |
| Provision for loan and lease losses | $122,000 | 4,063 |
| Total noninterest income | $1,268,000 | 2,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,268,000 | 1,540 |
| Total noninterest expense | $6,189,000 | 2,199 |
| Salaries and employee benefits | $3,311,000 | 2,001 |
| Premises and equipment expense | $1,167,000 | 1,733 |
| Additional noninterest expense | $1,711,000 | 2,734 |
| Pre-tax net operating income | $1,472,000 | 4,522 |
| Securities gains (losses) | $196,000 | 678 |
| Applicable income taxes | $656,000 | 3,413 |
| Income before extraordinary items | $1,012,000 | 4,559 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,012,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $886,560 | 5,045 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,901,000 | 3,056 |
| Total interest expense | $5,611,000 | 2,215 |
| Net interest income | $4,290,000 | 4,097 |
| Provision for loan and lease losses | $29,000 | 7,250 |
| Total noninterest income | $933,000 | 3,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $933,000 | 1,926 |
| Total noninterest expense | $3,838,000 | 3,550 |
| Salaries and employee benefits | $1,912,000 | 3,425 |
| Premises and equipment expense | $733,000 | 2,724 |
| Additional noninterest expense | $1,193,000 | 4,073 |
| Pre-tax net operating income | $1,356,000 | 4,779 |
| Securities gains (losses) | $-84,000 | 11,416 |
| Applicable income taxes | $500,000 | 4,049 |
| Income before extraordinary items | $772,000 | 5,496 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $772,000 | 5,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,917 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $825,760 | 5,295 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,825,000 | 3,137 |
| Total interest expense | $5,930,000 | 2,188 |
| Net interest income | $3,895,000 | 4,516 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $1,296,000 | 2,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,296,000 | 1,718 |
| Total noninterest expense | $4,123,000 | 3,386 |
| Salaries and employee benefits | $1,975,000 | 3,325 |
| Premises and equipment expense | $741,000 | 2,733 |
| Additional noninterest expense | $1,407,000 | 3,688 |
| Pre-tax net operating income | $888,000 | 6,391 |
| Securities gains (losses) | $929,000 | 565 |
| Applicable income taxes | $705,000 | 3,096 |
| Income before extraordinary items | $1,112,000 | 4,284 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,112,000 | 4,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,895 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $517,440 | 7,167 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,404,000 | 2,820 |
| Total interest expense | $7,694,000 | 2,212 |
| Net interest income | $4,710,000 | 3,843 |
| Provision for loan and lease losses | $-5,000 | 13,445 |
| Total noninterest income | $750,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $750,000 | 2,404 |
| Total noninterest expense | $4,113,000 | 3,412 |
| Salaries and employee benefits | $1,899,000 | 3,361 |
| Premises and equipment expense | $791,000 | 2,633 |
| Additional noninterest expense | $1,423,000 | 3,750 |
| Pre-tax net operating income | $1,352,000 | 4,468 |
| Securities gains (losses) | $759,000 | 792 |
| Applicable income taxes | $819,000 | 2,546 |
| Income before extraordinary items | $1,292,000 | 3,553 |
| Extraordinary gains, net | $-416,000 | 13,809 |
| Net income | $876,000 | 5,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $806,240 | 5,026 |
* 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.